Buildings insurance was created in order to provide you with financial security when it comes to the structure of your house. In most cases, buildings insurance covers your main dwelling, and any external structures on your property (such as sheds, garages, greenhouses and conservatories.)
Buildings insurance is essential because it protects your property against destruction and damage. This means that in the event of your home being completely or partly destroyed, the policy will fund rebuilding or repairing. Furthermore, the policy will also usually cover repairs due to circumstances beyond your control. These could include:
- Damage due to flooding or storms
- Burst pipes and other water leakage problems
- Subsidence
- Vandalism or damage by a third party
If you have any questions about what exactly is covered, please ask your insurer in as much detail as possible. Remember that every insurance policy is different. The basic structure and fabric of your house should certainly be covered, but on top of this numerous subsidiaries should also be covered. These include:
- Roofing
- Windows
- Kitchen
- Bathroom
- Floors
- Electrical wiring
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