Trace and access is a section in a home insurance policy that covers the cost of finding the source of a water leak. 

This is the maximum amount of money that your insurer would be willing to pay to rebuild your home if it was damaged or destroyed.

You need specialist landlord insurance to make sure that your property is covered for certain situations that you wouldn't have with a residential property. This type of insurance typically covers the building, but you can also include landlord contents cover as well. If you have a buy-to-let mortgage on the property, the lender will likely have conditions that include taking out the appropriate insurance.

Content insurance provides financial protection if there is damage to the contents of your home.  If you were to tip your house upside down, everything that would fall out would be considered contents. In addition to this, carpets are typically classed as contents. This is not a legal requirement to have but is useful to have and can also be discounted if both buildings and contents cover are taken out together.

Building insurance provides financial protection if there is damage to the structure of your home like the walls, roof and floors, but also the fixtures and fittings as well. It is also a requirement when taking out a mortgage on your home.