What does 'buildings insurance' typically not cover?

Buildings insurance primarily covers the physical structure of a home, including the walls, roof, and foundations, as well as any permanent fixtures such as kitchens and bathrooms. It is specifically designed to protect against risks like fire damage, severe weather events, and sometimes even instances of accidental damage to the building itself.

However, portable items such as garden furniture, which are not permanently attached to the home, fall under contents insurance instead. Buildings insurance does not extend to personal belongings or movable items. Therefore, items that can be easily removed or transported are typical exclusions of buildings insurance policies, which explains why the identification of portable items like garden furniture as something not covered is correct.

By recognizing the distinction between what constitutes buildings insurance versus contents insurance, individuals can ensure they have the right type of coverage for their specific needs.