A clear guide to the cover you have, the gaps to check, and the questions worth asking.
The essentials
Start with the rebuilding cost, rather than the price you paid for the property. A home policy can contain separate limits for the building, your belongings, liability, and temporary living costs. Read each section on its own. An attractive total price does not tell you which losses the policy actually covers.
Put it into practice
Make a room-by-room inventory with photographs and keep a copy away from the property. Ask how the policy treats valuables, accidental damage, water damage, and temporary accommodation. Before renewal, tell the insurer about building work or changes in how you use the home. Get answers in writing and keep them with the policy.
Before you decide
Use this guide as a starting point for your own questions. Check the current terms in your documents and the rules where you live. Keep a short written record of the options you compare, the details you still need, and your next step.
This is general educational information, not personal financial, insurance, tax, or legal advice.