The structure of your house, e.g. walls, ceilings and the roof
Gates, fences, hedges and footpaths that all lie within the boundaries of your property
Permanent fixtures and fittings within the house, such as the kitchen, any fitted wardrobes
Decoration within your house, for example wallpaper and paint
Pipes and cables
With contents insurance, standard cover will only apply to certain items in your house.
Typical types of insurance offered are:
Money within your house
Losses on stolen credit cards
Office equipment kept in the house
Having new locks fitted if these are broken or damaged, or if keys are lost
Replacement mirrors or glass broken by accident or through vandalism, full cost covered
Damage or theft of deeds and other documents within the house
Loss of metered water
Damage or theft of satellite equipment
Contents of your freezer
Optional extras that you can add to your cover
As well as the most basic cover, there are a number of optional extras, available for an additional price:
Accidental building damage – This includes damage which you cause to the house, for example whilst doing DIY.
Accidental contents damage – If you cause damage to any of the contents of your house by accident.
Personal belongings – This will cover personal belongings, such as iPods, computers etc, regardless of whether they are stolen or damaged in the house.
Home emergency – If an emergency, such as a burst pipe, occurs within the house, this type of cover will provide you with a tradesman that you can call out for free. It is usually 24 hour cover, and will generally only cover you for a certain amount of work, on average up to £250 (including call-out charge, materials and labour).
Legal expenses - Some buildings and contents insurance will also cover you if an accident occurs within your house or on your property, and another person is hurt. This legal liability, although rarely needed, could cover you in situations where people will sue if the accident was caused by something or someone within the house.