All insurers can offer the above cover alone, as the risks of the above are lower than Vehicle Insurance, provided you comply with all standards - meaning that your house contents should be protected at all times. By installing security gates, in some areas, you would need a 24hr linked alarm from one of the approved security companies. All opening windows should have Burglar bars, the perimeter of the house should be walled or fenced. As for House Owners Cover, this would be just the building that will be covered with all its fixtures and fittings against flooding, tremous, fire and all its perils. In many cases, the House Owners Cover has been covered by your Bond providers - being Banks, Home Loan Agencies etc.