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Buildings insurance
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
Plumbing
The objects within the house, your furniture and fittings for instance,
will generally be covered under a separate contents insurance policy.
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