Buildings can mean different things to different insurance companies, and customers may have a different understanding.
Insurance policy wordings have a set of “definitions” that make clear what specific words mean as you read the policy.
Below is taken from the Swinton Home Policy Wording to help you understand what is and isn’t covered under our Buildings insurance:
Buildings
The home and its permanent structures that are owned by you or for which you are legally responsible and used for domestic or business administration purposes:
- patios, terraces, paths, drives;
- walls, gates, hedges, lawns, fences, lampposts, railings;
- hard tennis courts, sunken swimming pools, ornamental ponds;
- fountains and statues permanently fixed into the ground;
- cesspits, septic tanks, central heating fuel tanks;
- sheds and greenhouses;
- permanently fixed hot tubs and jacuzzis;
- wind turbines permanently fixed to the home;
- fixed solar panels (that have been professionally installed),
Buildings also includes the permanent fixtures and fittings in or mounted upon the buildings that could not easily be removed and reused, such as:
- fixed sanitary fittings (for example, toilets, sinks and baths) and;
- laminated, wood effect or vinyl floor coverings.
- Domestic appliances that cannot be removed and reused
Buildings does not include:
- marquees and their accessories;
- land;
- trees, shrubs and plants;
- aerials, satellite receiving equipment or masts;
- carpets whether fitted or not.