Neighbours BBQ set fire to my shed...

cogito

geri1965 wrote: »

I thought buildings cover was designed to cover the fabric of the building itself, i.e. the house.

A shed is not a building - is it? Surely a shed is part of your contents, albeit something you keep in the garden.

Household policies define it as an outbuilding - part of the buildings cover.

geri1965_2

cogito wrote: »

Household policies define it as an outbuilding - part of the buildings cover.

Thanks, that's interesting. I thought everything that could be removed from the property was contents. Although I just checked More Than's wording and it states

Covers the buildings of your home and any other
permanent structures on your land such as its garages
and outbuildings, drives, walls, fences, hedges and gates
against damage by fire, flood, storm, subsidence and
other similar causes.

So maybe it depends if the shed is a permanent structure or not - mine is the type that could be picked up and removed.

cogito

The policy will probably contain a definition of 'home' which will clarify.