What is and isn’t covered on a buildings insurance policy

Buildings insurance is incredibly important for anyone who owns a property and is especially important for homeowners. A good Insurance Brokers Bath way like https://www.markrichard.co.uk/areas-we-cover/insurance-brokers-bath can help you find the most appropriate cover. It is important that you are aware of what is and isn’t covered by this type of policy.

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Buildings insurance is designed to cover damage that may occur to your property that could result in the need for repairs or a complete rebuild of the entire property. The areas of a home that are covered include the walls, windows, bathrooms, kitchen, roof and any outbuildings that you have. The items within your home are not covered on a buildings insurance policy and would need to be covered on a contents insurance policy instead.

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The following is a list of the kinds of items and situations that may not be covered by a building’s insurance policy.

  • Wear and tear – this is general wear that occurs to your building. It could be the gradual eroding of your rendering or repairs that are needed to the roof as a result of the age of the slates or tiles.
  • Appliances – the washing machine, fridge and freezer in your home and the electric shower are not covered by buildings insurance.
  • Depending on your policy, you may not be covered for damage that occurs as a result of DIY work, pets, spillages and stains or damage that is caused by children.

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