Buildings insurance covers the structure of the building, such as; 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.
- Bursting of pipes
- Falling trees
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 for your insurance if you are. This will provide you the peace of mind in knowing that you are adequately covered.
Many building insurance providers also cover you for garages, conservatories, greenhouses, fences etc. Policies may also cover permanent fixtures and fittings including cupboards, toilets, baths and kitchen units. Make sure you check the policy carefully to see what you are covered for.
Always shop around for the best building insurance and not the cheapest as you may leave some important items uncovered under the cheaper policy. Unfortunate accidents do occur from time to time, so it is imperative that adequate cover is taken out to protect your home.