Building and Contents Insurance Overview
Building and Contents Insurance can be purchased separately or together. To the left is a breakdown of each element of building and contents insurance:
A buildings insurance policy covers both the structure of a property and its permanent fixtures and fittings such as baths and toilets, fitted kitchens and bedroom cupboards. Interior decorations are covered also. Buildings Insurance usually extends to include outbuildings such as garages, greenhouses and garden sheds but depending on your policy boundary walls, fences, gates, paths, drives and swimming pools may not be covered.
There are a number of events that buildings insurance normally covers. These are often referred to as insured perils. Most policies will cover damage to your home by:
| Fire, explosion, lightning or earthquake |
| Subsidence, heave or landslip |
| Storm and flood |
| Theft or attempted theft |
| Escape of water from tanks or pipes |
| Falling trees or branches |
| Breakage or collapse of television, radio signal or satellite apparatus |
| Riot, civil commotion, strikes, labour or political disturbances |
| Impact by aircraft, other aerial devices, any vehicle or animal |
| Escape of oil from heating systems |