Building Cover

Protect your building

What is Building Insurance?

Building insurance is pretty straightforward. It’s there to cover you in the event that something happens on your property. Building insurance covers your entire physical property and the land surrounding it, you will be covered from things like:

• Fire

• Flood

• Earthquake

• Theft

• Vandalism

• Storm damage

There are different types of building insurance such as “named-peril” and “all risk”. Named-peril covers any damages done by whatever’s specifically listed in the policy. All risk covers damage to property from all incidents except what’s named in the policy. Both operate totally different but ultimately have the same goal. Residential property owners can often purchase a bundled package, offering them basic protections while cutting insurance premium costs.

What Does Building Insurance Cover?

Building insurance covers the structure and the fixtures inside your building–including any sinks, bathtubs, pipes and bathroom toilets. Garages, sheds and outside fences may also be covered under your policy. Furnishings inside, including furniture and equipment, as well as inventory may also be covered in a commercial building. Personal injury and death may also be covered in your business property insurance policy.