Home insurance can mean building insurance, contents insurance or both. Building insurance covers the cost of rebuilding your home should the worst happen. It generally covers you for damage to your home caused by fire, bad weather, natural disasters, damage caused by burglary or attempted burglary, vandalism and subsidence caused mainly by tree roots or ground heave. Coverage will differ between home insurers so it is important to check your policy documents.
As well as the actual property, buildings insurance can include garages, sheds, driveways, swimming pools, paths, walls and fences. Not all policies have the same coverage for all these items as standard individual policies do differ in what they include.