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Property
Buildings insurance
Buildings insurance relates to the structure (your actual house) as opposed to household contents, and as such covers you in terms of structural damage to your house as well as insuring you against damage to permanent fixtures like toilets, bathrooms and fitted cabinets in kitchens, etc..
A buildings insurance policy will also usually include sheds, garages, boundary walls, swimming pools, driveways, gates and greenhouses, although you must scrutinise your house insurance policy to ensure that this cover does indeed exist. The risks that a buildings insurance policy will cover you against include damage or loss caused by floods, fire, theft, vandalism, subsidence, earthquakes, lightning and storms. Accidental damage to any number of articles such as windows, pipes, etc. may also be covered by a buildings insurance policy, but usually at an extra cost to you. A buildings insurance policy may also provide for accommodation to be arranged for you should your home become uninhabitable as a result of damage caused by an insured risk. If you are a tenant or you own a flat, you need not worry about a buildings insurance policy as this should be taken care of by the owner or freeholder respectively. Everything that you would ordinarily take with you, should you move to another home, would be dealt with by your household insurance policy.
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