Home insurance businesses provide or arrange cover for property owners, tenants and landlords against specified risks. Policies commonly include buildings insurance, which can cover the structure and permanent fixtures of a home, and contents insurance for belongings kept inside it. Customers may be able to take out either type separately or combine them in one policy. The risks covered depend on the policy wording and can include events such as fire, storm damage, escape of water, theft and vandalism. Insurers assess details such as the property, its construction, occupancy and the cover requested when setting policy terms. Brokers and other insurance intermediaries can help customers compare options and arrange cover, while insurers handle claims under their policies. Optional features may include accidental damage, personal possessions cover for items taken outside the home, legal expenses or home emergency assistance.