Buildings insurance could cover the cost of repairing or rebuilding the structure of your home if it’s damaged by an event you’re insured for – such as a fire, flood or storm. It also offers cover for any permanent fixtures and fittings, like your kitchen and bathroom. Buildings insurance can also cover outside structures connected to your home, such as fences, garages and pipes.
Contents insurance is a type of home insurance that could cover the cost of replacing your possessions in your home if they’re stolen, destroyed or damaged. It can be bought as a standalone policy or with buildings insurance, as a combined home insurance policy.
Home contents typically cover everything you’d take with you if you moved and also usually includes your carpets too. There may be some exceptions to this rule so you’ll need to check the details of individual policies to be sure – look for the definition of contents in your policy booklet.