Buildings insurance generally covers the structure and permanent fixtures, while contents insurance covers belongings inside your home, so many Birmingham households choose a combined policy. Check the policy limits, exclusions and excesses, and consider whether you need protection for accidental damage, escape of water, flooding or subsidence based on your property and location. The buildings sum insured should reflect the estimated rebuild cost rather than the property's market value, while contents cover should reflect the cost of replacing your possessions. Compare FCA-authorised providers and check the policy wording carefully before buying.