Building, Content & Property Damage
Buildings insurance covers damage to buildings owned by you (or buildings that your landlord makes you legally responsible to insure) caused by perils such as fire, riot, flood, storm, accidental damage etc. Car parks, boundary walls, landscaping etc. all fall under the definition of a Building, as does matters such as debris removal, architect’s fees etc. Therefore, it is important to include these items in your Building sum insured to ensure you are fully covered in the event of a claim.
Similarly, Contents insurance provides covers for damage caused to your contents by perils such as fire, riot, flood, storm, accidental damage etc. Examples of items that insurers consider Contents are machinery/plant, office furniture, plant etc.