BUILDINGS INSURANCE

Buildings insurance covers the cost of damage to the structure of your property. This includes the roof, walls, ceilings, floors, doors and windows. Outdoor structures such as garages and fences are also included.

Buildings insurance covers permanent fixtures and fittings, interior decoration and underground tanks, pipes, cables, and drains for which you are responsible from your home to the mains supply.

A buildings insurance policy will usually also cover the cost of alternative accommodation up to a certain limit, if you have to leave your home while repairs are carried out.

If you own the property, you can also be insured against legal responsibility if someone dies or is injured when they visit your property. You can also get cover for damage to someone else's goods or property when they visit you.

Your buildings insurance should cover the full cost of rebuilding the property. This should include costs such as demolition, clearing the site, and architect's fees. Make sure any special features such as a luxury fitted kitchen or a conservatory are also included. The Association of British Insurers (ABI) produces yearly guidelines on rebuilding costs. You can find this at www.abi.org.uk.

If you would like to take out Building Insurance, please click here.