Buildings insurance covers the physical structure of your property, which includes the roof, walls and floors.
It also includes any permanent fixtures and fittings, such as your kitchen and fitted wardrobes. Outside structures, like fences, garages and sheds are usually covered too, as are pipes, cables and drains connected to your home (provided they’re your legal responsibility).
This covers the items inside your home, such as your furniture and clothes.
It covers anything within your home that you could remove and take with you to another property – so your clothes, furniture, fridge and television (carpets are also usually included). There are some exceptions to this rule, so always check what’s included in the definition of ‘contents’ in your policy booklet.