What does buildings cover include?
Policies differ according to insurance provider and what one will include as standard, another might not. Typically buildings insurance will cover unforeseen one-off events that damage your house. Standard policies usually include cover for storms, floods, fire, theft, malicious damage and escapes of water (otherwise known as water leaking from pipes and other fixed water installations) and many more examples. Remember your buildings insurance is not a maintenance contract, so if you’re roof suffers from general wear and tear and this turns into a leak, it is unlikely that it wilb be covered by your insurance policy.
It’s also worth noting that some policies won’t cover you if you’re away from home for long periods of time (usually a month or more ). So, if you have a job that takes you away for a while, then make sure you declare this when you get a quote, or if your circumstances change mid-way through your policy check that your existing provider is happy to continue to offer you cover.