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Building insurance

The covers vary between providers, but usually provide protection against risks such as:

  • fire and smoke damage,
  • explosion,
  • earthquake,
  • flood,
  • theft or attempted theft,
  • impact by cars, animals or aircraft (including anything dropped from an aircraft),
  • subsidence, heave or landslip,
  • escape of water from pipes,
  • leakage of central heating oil,
  • falling trees or branches,
  • collapse of TV aerials or satellite dishes,
  • malicious damage caused by riots, strikes and civil disturbances.

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