Contents insurance will cover the items you own and things that are not fixed, whereas buildings insurance differs from this type of cover as it will offer cover for the actual bricks and mortar of your business buildings or your home.
Buildings insurance will cover a whole host of eventualities such as your geyser (check with your provider), the roof of your home or office, built-in cupboards as well as items in your bathroom including your shower door, amongst others.
The outbuildings of your home or office are also taken care of under the umbrella of your buildings insurance service provider – these include your servants’ quarters, outbuildings such as sheds, carport, garage and gazebos.
To avoid disappointment, it is wise to check with your buildings insurance service provider to find out exactly what is and what is not covered should you suffer a loss of any description.
These could range from lightning damage to damage caused by power outages to your property.
Purchasing bricks and mortar could prove to be one of your biggest investments you will ever make in your lifetime – but it will come with certain criteria and great responsibility.
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