What is an online home buildings insurance policy?

There are many different parts to any home insurance policy, and an online home buildings insurance policy provides insurance for just one part of that policy. When customers take out home insurance, they will need to know which parts of their home they are responsible for. Those who rent their homes are typically just responsible for their contents of the home, and the landlord would be responsible for taking out an online home buildings insurance policy. Those who are landlords will need an online home buildings insurance policy and may also need a small contents cover policy, just to cover the carpets and few things they own in the house.

A home owner will need both an online home buildings insurance policy and contents insurance, but those who own their home via leasehold may not be responsible for the online home buildings insurance policy, just needing to insure their possessions through their contents insurance.

What does an online home buildings insurance policy cover me for?

Your online home buildings insurance policy provides you with protection for the structure of your home, and this includes any walls, doors, ceilings, floors and the roof of your home, as well as all of the internal plumbing, electrical cables and other wiring. Should any of these things be damaged by theft, vandalism, water damage, flood damage, storm damage or fire, your online home buildings insurance policy will pay for rebuilding and replacement of any lost items.

Your online home buildings insurance policy will also provide you with insurance for any external buildings or fittings around your property. This includes external gates, walls, fences and doors, and also the structure of your shed and garage. The contents of your shed and garage will be covered by your contents insurance.

Inside your home, your carpets and most of your possessions are covered by contents insurance, but your online home buildings insurance policy will cover any built in structures, like a built in wardrobe, as well as your built in kitchen units and worktops, and any bathroom suites you have in your home as well. Depending on the terms of your policy, your boiler may also be insured under your online home buildings insurance policy, although usually not against breakdown through old age.

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