Building insurance covers damage to the physical building itself, including internal structures like pipes, walls, and floors. Household contents insurance protects personal belongings inside your home from risks such as fire or theft. Personal liability insurance covers damages or injuries you cause to others or their property, wherever you are. Each insurance type has specific coverage limits and exclusions.
What does building insurance cover?
Building insurance protects the physical structure of a building or apartment you own. It covers damage caused by insured events such as fire, storm, hail, water damage from internal pipes, and burglary. Damage to fixed components like walls and pipes inside the building is included. This insurance does not cover personal belongings inside the home. Feather does not offer building insurance.
What items are covered by household contents insurance?
Household contents insurance protects the personal belongings you bring into your home, such as furniture, electronics, books, and clothing. It covers these items from insured events like fire, burglary, robbery, water damage from external pipes, storm, and hail. This insurance does not cover damage to building fixtures or accidental damage caused by you.
How does personal liability insurance protect me?
Personal liability insurance covers accidental damage or injury you cause to other people or their property, regardless of where the incident occurs. Examples include accidentally damaging your landlord's flooring or causing injury and damage while outside your home. It does not cover damage to your own belongings or damage from wear and tear or mold.
What is the difference between internal and external water pipes in coverage? Internal pipes are built within walls or under floors and are considered part of the building; damage from them is covered by building insurance. External pipes are visible and attached to fixtures like radiators, sinks, or washing machines; damage from these pipes affecting your belongings is covered by household contents insurance.
Can you provide examples of how these insurances work in real situations?
If a leak develops in a pipe inside a wall, causing damage to the building structure, building insurance covers the repair.
If an external pipe bursts and damages your furniture or electronics, household contents insurance covers replacing those items.
If you incorrectly install an appliance, causing a leak that damages the building, your liability insurance may cover costs that building insurance does not, depending on responsibility.
What damages are not covered by these insurances?
These insurances generally do not cover damage caused by wear and tear, mold growth, or accidental damage to the building's fixed contents by you. Liability insurance also excludes damage to your own property.