Buildings insurance covers the cost of repairing or rebuilding the structure of your home that is damaged by events such as a flood, fire or a storm.

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This also covers permanent fixtures in your home, such as fitted kitchens and fitted bedroom furniture. This doesn’t include the items inside your home – you’d need contents insurance for that.

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Contents Insurance covers the cost of repairing or replacing the items in your home that have been stolen, or damaged by events such as a flood, fire or storm. This includes household goods and personal effects owned by you or your family.

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You can also add elements such as accidental damage, high risk items and legal cover to your policy.