Which type of insurance would protect your home against natural disasters?

House and contents insurance is specifically designed to cover the physical structure of your home and the belongings within it against a variety of risks, including damage caused by natural disasters such as floods, storms, and earthquakes. This type of insurance typically includes coverage for repairs to your home, replacing damaged possessions, and providing temporary accommodation if needed due to a disaster.

The other types of insurance listed serve different purposes. Endowment assurance is primarily a life insurance policy that pays out a sum after a specified term or upon death, but it does not cover property damage. Life assurance provides financial support to beneficiaries upon the policyholder's death, without addressing any home-related risks. Term life insurance also focuses on providing a death benefit for a specific period and does not include any protection for property against natural disasters. Therefore, house and contents insurance is the appropriate choice for safeguarding your home against those risks.