Which parts of my home count as Buildings?

There's more to your Buildings cover than just the walls and the roof. You may be surprised to learn what other things count as Buildings on your home insurance.

Building a wall
Buildings covers more than just the bricks and mortar

Exactly what counts as Buildings can vary slightly by insurer, but expect a good Buildings policy to cover the home itself, comprising the walls, roof, doors and windows, plus the following within the boundary of the property:

  • cables

  • central heating fuel storage tank

  • domestic garages

  • drains

  • drives

  • fences

  • fitted wardrobes

  • fixtures and fittings including kitchens and bathrooms

  • footpaths

  • garden/boundary walls

  • garden rooms

  • gates

  • greenhouses

  • hedges

  • patios

  • permanently fixed hot tubs

  • pipes

  • septic tanks

  • service tanks

  • sheds

  • solar panels

  • swimming pools

  • tennis courts

  • terraces

It's worth bearing in mind just because it's counted as part of the Buildings, it doesn't necessarily mean a claim for damage to it would be covered. Fences, gates and hedges for example are typically excluded for damage caused by storm.


Compare quotes for home insurance


Learned something new? Share this article using the buttons below

Be the first to know!

Get details of our latest posts sent direct to your inbox. 

Thanks for subscribing!

Our services are completely free for you to use because third parties may pay us when you visit their website through a link on our website. We always aim to give you accurate information at the point of publication, but terms of products can always be changed by the third party afterwards.

Get quotes

Insurers Not on Price Comparison Websites

directline.com

nfumutual.co.uk