What does buildings insurance cover?

Buildings insurance is designed to cover the physical structure of a home and any permanent fixtures attached to it. This includes not only the walls and roof but also essential elements such as floors, ceilings, doors, and built-in appliances that are integral to the property's structure. In the event of damage due to risks like fire, water, or severe weather, buildings insurance provides financial protection for repairs and rebuilding costs, ensuring the home remains safe and habitable.

The other options do not accurately reflect what buildings insurance is intended to cover. The first option limits coverage to just the internal structure, ignoring external elements like walls and roofs. The second option pertains more to contents insurance, which safeguards personal belongings, not the physical structure. Lastly, the fourth option focuses on appliances and electronic devices, which may not be permanently fixed to the dwelling and are typically covered under contents insurance rather than buildings insurance. Therefore, the correct answer encompasses a comprehensive scope of protection for the home's vital structural components.