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If your home is your castle, then home insurance is your knight, preserving against misfortune and plunder - or at least fire, theft and other property hazards. As the saying goes, good things come in threes, and you can choose between buildings insurance, contents insurance, or a combined buildings and contents policy. The difference? Buildings insurance covers the bricks and mortar, while contents is everything that would fall out if you took the roof off, turned your gaff upside down and gave it a shake.

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