Explanation of buildings insurance

What is buildings insurance?

Buildings insurance covers the structure of the building such as the walls, roof, floors, ceilings, windows and doors from damage.  A buildings insurance policy should cover funds to rebuild your house in an event of it being completely damaged beyond repair.

The damage can come in many forms and is listed below:

• Weather damage such as lightening, storms etc
• Earthquakes
• Vandalism
• Bursting of pipes
• Falling trees
• Flooding
• Subsidence

Make sure to check that you are not living in a high risk area of damage such as flooding. You may have to pay extra on your policy if you are but you will get peace of mind knowing that you are adequately covered.

Many building insurance providers also cover you for garages, conservatories, greenhouses, fences etc. Make sure you check the policy to see what you are covered for. Policies may also cover permanent fixtures and fitting including cupboards, toilets, baths and kitchen units and again it is important to check what your policy covers.

Always shop around for the best building insurance and not the cheapest as you may leave some important items uncovered under the policy. Unfortunate accidents may happen to your property from time to time so it is imperative that adequate cover is taken out to protect your home.

Home Insurance Guide
Why is home insurance needed? Explanation of buildings insurance Explanation of contents insurance Home insurance for landlords Where can I apply for home insurance? Tips for reducing home insurance costs Making a home insurance claim	"Make sure to check that you are not living in a high risk area of damage such as flooding"