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Property & Lifestyle Insurance Guide
By Tahir Abbas, Editor · Last updated 1 November 2026
Property and lifestyle insurance protects the things you own and the life you enjoy: your home, your rental property, your belongings, your trips and your celebrations. It pays to repair, replace or compensate when something goes wrong — a burst pipe, a stolen gadget, a cancelled trip or a wedding that has to be rearranged.
This hub gathers every property and lifestyle guide on Being Insurance. Each one explains what the cover does, what it usually leaves out, who it suits, and how to compare policies before you buy.
Types of property and lifestyle insurance
- Home Insurance
- Landlord Insurance
- Renters Insurance
- Property Insurance
- Travel Insurance
- Wedding Insurance
- Event Insurance
- Gadget Insurance
What property and lifestyle insurance typically covers
- Damage to buildings and belongings from fire, flood, storm, theft or vandalism
- Liability if someone is injured on your property or by something you own
- Loss of rent or alternative accommodation after an insured event
- Trip cancellation, medical treatment abroad and lost luggage on travel policies
- Rearranged celebrations and lost deposits on wedding and event policies
What property and lifestyle insurance typically does not cover
- Wear and tear, gradual damage and poor maintenance
- Damage from events specifically excluded, such as certain floods or acts of war
- Belongings above a single-item limit unless specifically listed
- Claims during a period when the property was left unoccupied beyond the policy limit
- Pre-existing damage or problems known about before the policy started
Who property and lifestyle insurance is for
Homeowners, landlords and renters all need some form of property cover, and anyone travelling, planning a wedding or owning expensive gadgets should check whether a dedicated policy is worth it. If replacing your belongings or repairing your home would strain your finances, insurance is worth serious consideration.
How to choose and compare property and lifestyle insurance
- Work out the rebuild value of your home or the value of your belongings before comparing
- Check single-item and total limits against what you actually own
- Compare the same excess and exclusions, not just the premium
- For travel and events, check cancellation terms and what counts as an insured reason
- Review cover after major purchases, renovations or a move
Back to Insurance.
Sources and Disclosure
This guide is general information, not financial advice. Plan features described here are general and vary by insurer and state; always read the sample policy before you buy. For the rules governing insurance in your state, see the consumer resources of the National Association of Insurance Commissioners (NAIC). Disclosure: Being Insurance is an independent comparison site. We may earn a commission when you buy through links on this page. That never changes which companies we list or the order we present them in.
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