Which one pays?
Buildings vs Contents Insurance (UK)
Buildings = structure and fixtures. Contents = anything you'd take when moving. See what falls between the two.
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The short answer
Buildings covers the structure, permanent fittings, fitted kitchens and bathrooms. Contents covers everything you'd take to a new house — furniture, electricals, clothes, carpets (sometimes). Fitted wardrobes, ovens and showers usually count as buildings; freestanding equivalents count as contents.
Frequently asked
- Are carpets buildings or contents?
- Fitted carpets are usually buildings on UK policies; check the schedule because some insurers categorise them as contents.
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Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.