Buildings insurance covers the physical structure of your property, which includes the roof, walls and floors, while contents insurance covers the items inside it, such as your furniture and clothes.
Buildings insurance also includes any permanent fixtures and fittings, such as your kitchen and fitted wardrobes. Outside structures, like fences, garages and sheds are usually covered too, as are pipes, cables and drains connected to your home (provided they’re your legal responsibility).
Contents insurance covers anything within your home that you can remove and take with you to another property, so your clothes, furniture, fridge and television (carpets are also usually included). Just be aware that there are some exceptions to this rule, so always check what’s included within the definition of ‘contents’ in your policy booklet.