What is the difference between buildings and contents insurance?
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In short: Buildings insurance covers the structure, roof, walls and permanent fixtures; contents insurance covers belongings you would take when moving. Mortgages require buildings cover; contents is optional but wise.
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Reviewed by Kaiser Khan
Buildings: rebuild cost if fire, flood or storm destroys the property — not the market value. Contents: furniture, clothes, electronics, carpets.
Leasehold flats: the freeholder often insures the building; you buy contents and sometimes contribute to building premium via service charge.
See our home insurance explained guide and buildings vs contents comparison.
Primary source: abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance
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