Buildings cover usually relates to the permanent structure of your home, while contents cover applies to belongings you would take with you when moving. Read the definitions, insured events, exclusions, excesses and policy conditions carefully, and check that the sums insured reflect rebuilding costs and the value of your possessions. Look for endorsements or limits covering items such as valuables, bicycles, alternative accommodation and accidental damage, as these may change what is covered. If any wording is unclear, ask your insurer or an FCA-authorised broker to explain how it applies to your circumstances.