Buildings insurance covers your home’s structure – in essence, the ceiling, walls, roof or windows. Your buildings insurance will also cover any permanent fixtures, such as your kitchen or bathroom.
You can protect your belongings with contents insurance. This offers cover for damage to furniture, clothes, electrical items and other goods – essentially anything that can be physically moved from and within the house. It usually includes carpets too.
According to the Association of British Insurers, fire is the reason behind 16% of all domestic insurance claims, so there’s good reason to make sure you’re properly covered.