What is the difference between buildings and contents insurance?
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In short: Buildings insurance covers the structure, roof, walls and permanent fixtures; contents insurance covers belongings you would take when moving. Mortgages require buildings cover; contents is optional but wise.
Content updated:
Buildings: rebuild cost if fire, flood or storm destroys the property — not the market value. Contents: furniture, clothes, electronics, carpets.
Leasehold flats: the freeholder often insures the building; you buy contents and sometimes contribute to building premium via service charge.
See our home insurance explained guide and buildings vs contents comparison.
Part of our Family & care
This quick answer sits inside our wider family & care hub — with sub-guides, calculators and step-by-step explainers on the same topic.
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