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Residential Homes and Buildings

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Residential Home and Buildings - the term home relates to a dwelling house, the place where we live, we may own it or we may rent it but in essence its the place where we live for the majority of the time. Other types of home used for residential purposes include; retirement & nursing homes. Although the word "live" seems to suggest being permanent, this is not always the case, many people own homes, which are used on a less frequent basis such as in the case of holiday or second homes. The term "mobile home" relates to property that can possibly be moved but is still used for living in, albeit usually on a temporary basis.

A building may be a home, but of course it can have many other uses, in the main it will have a roof and walls and will stand more or less permanently in one place. it could be used for commercial purposes, such as a shop or an office, or a factory or a whole variety of other purposes. When describing the place where we live, we tend to use the word home as it is more personal, it suggests that a property is unique to ourselves.

When it comes to private dwelling insurance, the terms building & home are often interchangeable. You can effect Home Insurance or Building Insurance covering the structure of your home. Home insurance is considered slightly wider as it may also include extra sections covering contents or even items taken away from the property. The perils covered are identical providing of course the property is used for domestic purposes. Depending on which insurance company you approach for cover, you may see both terms used.