Direct house insurance line

Some houses transcend the basic functionality of providing "a roof over one's head" or of serving as a family "hearth and home". When a house becomes a display-case for wealth and/or fashion and/or conspicuous consumption, we may speak of a "great house". The residence of a feudal lord or of a ruler may require defensive structures and thus turn into a fort or a castle. The house of a monarch may come to house courtiers and officers as well as the royal family: this sort of house may become a palace. Moreover, in time the lord or monarch may wish to retreat to a more personal or simple space such as a villa, a hunting lodge or a dacha. Compare the popularity of the holiday house or cottage, also known as a crib. In contrast to a relatively upper class or modern trend to ownership of multiple houses, much of human history shows the importance of multi-purpose houses. Thus the house long served as the traditional place of work (the original cottage industry site or "in-house" small-scale manufacturing workshop) or of commerce (featuring, for example, a ground floor "shop-front" shop or counter or office, with living space above). During the Industrial Revolution there was a separation of manufacturing and banking from the house, though to this day some shopkeepers continue (or have returned) to live "over the shop". Many houses have several rooms with specialized functions. These may include a living/eating area, a sleeping area, and (if suitable facilities and services exist) washing and lavatory areas. In traditional agriculture-oriented societies, domestic animals such as chickens or larger livestock (like cattle) often share part of the house with human beings. Most conventional modern houses will at least contain a bedroom, bathroom, kitchen (or kitchen area), and a living room. A typical "foursquare house" (as pictured) occurred commonly in the early history of the United States of America, with a staircase in the centre of the house, surrounded by four rooms, and connected to other sections of the house (including in more recent eras a garage). Ideally, architects of houses design rooms to meet the needs of the people who will live in the house. Such designing, known as "interior design", has become a popular subject in universities. Feng shui, originally a Chinese method of situating houses according to such factors as sunlight and micro-climates, has recently expanded its scope to address the design of interior spaces with a view to promoting harmonious effects on the people living inside the house. Feng shui can also mean the 'aura' in or around a dwelling. Compare the real-estate sales concept of "indoor-outdoor flow". More generally, people often build houses out of the nearest available material, and often tradition and/or culture govern construction-materials, so whole towns, areas, counties or even states/countries may be built out of one main type of material. For example, a large fraction of American houses use wood, while most British and many European houses utilize stone or brick. A bizarre feature of UK law is that new houses are not covered by the Sale of Goods Act. When purchasing a new house the buyer has less legal protection than when buying a new car. New houses in the UK may be covered by a NHBC guarantee but some people feel that it would be more useful to put new houses on the same legal footing as other products. In the US, many new houses are built in housing tracts, which provide homeowners a sense of "belonging" and the feeling they have "made the best use" of their money. However, these houses are often built as cheaply and quickly as possible by large builders seeking to maximize profits. Many environmental health issues are ignored or minimized in the construction of these structures. In one case in Benicia, California, a housing tract was built over an old landfill. Homebuyers were never told, and only found out when some began having reactions to high levels of lead and chromium. With the growth of dense settlement, humans designed ways of identifying houses and/or parcels of land. Individual houses sometimes acquire proper names; and those names may acquire in their turn considerable emotional connotations: see for example the house of Howards End or the castle of Brideshead Revisited. A more systematic and general approach to identifying houses may use various methods of house numbering. Houses may express the circumstances or opinions of their builders or their inhabitants. Thus a vast and elaborate house may serve as a sign of conspicuous wealth, whereas a low-profile house built of recycled materials may indicate support of energy conservation. Houses of particular historical significance (former residences of the famous, for example, or even just very old houses) may gain a protected status in town planning as examples of built heritage and/or of streetscape values. Plaques may mark such structures.