If your policy number begins with NHP or SBY, buildings means the structure of your property, fixtures and fittings, patios, terraces, footpaths, swimming pools, tennis courts, drives, walls, roofs, fences, hedges and gates.

If your policy begins with HBP, buildings means the house, bungalow, flat or maisonette at the address shown on your policy schedule, including its outbuildings such as garages, sheds, and greenhouses. This includes their permanent fixtures and fittings such as fitted kitchens and bathrooms, and:
• Underground cables, pipes, drains and tanks, and their inspection covers.
• Walls, gates, fences, hedges, paths, driveways, balconies, decking, gardens, ponds, trees, patios and tennis courts.
• Fixed wind turbines and solar panels.
• Permanent swimming pools and saunas, and fixed hot tubs.