Buildings insurance is part of the permanent structure of the building such as the roofs, floor, walls, and contents are the items inside that could be moved to another property. Contents would include things like furniture, freestanding appliances, and electronics. Although this can seem very straightforward, depending on your policy wordings items like carpets would be covered under contents insurance, whereas tiles, for example, would be covered under buildings insurance, and even fixtures and fittings such as the bathroom and kitchen would also be covered under buildings insurance.