Building insurance

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Building insurance covers the permanent structures of your home. These include the land, roof, walls, windows, floors, plumbing and electrical wiring. The permanent features of the property's interior, such as a fitted kitchen or bathroom suite are also included. The cover can be extended to include garages, sheds, greenhouses, driveways, patios, fences, gates and even your swimming pool or tennis court.

Essentially, any fixture that you are not likely to take with you to a new property can usually be covered under buildings insurance. Many policies will also cover the cost for alternative accommodation if the property becomes temporarily uninhabitable, for example, due to fire damage, and you have to move out. The 'sum insured' (the amount the policy will cover) should not be the amount your property is worth if you were selling it but should be the cost of rebuilding the property if it was knocked down.