What is buildings insurance?
Buildings insurance covers the physical structure of the property, such as walls, floors and the roof. This also includes any permanent fixtures and fittings, such as your kitchen and fitted wardrobes. Outside structures, like fences, garages and sheds are usually covered too, as are pipes, cables and drains connected to your home (provided they’re your legal responsibility). Buildings insurance is different to contents insurance which covers all the belongings in your home. Homeowners typically buy combined buildings and contents insurance.