Introduction Buildings insurance policies differ in the cover they provide and in their terms and conditions. The information here is of a general nature - for detailed information you must read your policy. In addition to the structure, a buildings policy covers permanent fixtures and fittings such as baths and toilets, fitted kitchens and bedroom cupboards. Interior decorations are also covered.
Policies usually extend to include outbuildings such as garages, greenhouses and garden sheds.
Boundary walls, fences, gates, paths, drives and swimming pools may not be covered - you need to check the policy if you need cover for these areas. Most buildings policies have valuable extensions of cover. Alternative Accommodation - If your home is so badly damaged that you cannot live in it until repairs are done, your policy will help to meet the reasonable cost of alternative accommodation up to a stated limit. Liability - If, as owner of your home you are responsible for any injury to someone or for damage to their property your policy will pay the damages and cost for which you are legally liable. There is usually an upper limit of 1 million or more.