Buildings insurance covers the cost of repairing damage to the structure of your property.
This includes the walls, windows and roof as well as permanent fixtures and fittings such as baths, toilets and fitted kitchens. As a general rule, buildings insurance covers the cost of rebuilding your house from the ground up.
It is likely to differ from the market value of your home and often includes the cost of services like demolition, site clearance and architects’ fees.
Depending on the type of policy you choose, you may also be covered for structures around your home like garages, outside walls and driveways. Homeowners often combine this with contents insurance, which protects their belongings from loss, theft or damage.
