What is buildings insurance?

Buildings insurance covers the cost of repairing or rebuilding the structure of your property - such as the walls, floors, and ceilings - as well as any fixtures and fittings, like kitchen cupboards and bathroom suites. Permanent features like drains, cables, pipes and plumbing systems are also covered.

Policies can also protect structures you have outside, for example, sheds, garages, fences, swimming pools and tennis courts.

You can buy buildings insurance on its own or with contents cover as part of a combined home insurance policy.