Buildings or contents Insurance - What's Covered?

barshamhillbilly

Hi All,
Just wondered if anyone knew if the following were covered under buildings or contents insurance:

1. Carpets
2. Fitted Kitchen
3. Fitted cupboards
4. Bathroom / toilet suite
5. free standing gas cooker

As most of our stuff came from freecycle - not sure how much cover I should be looking at for contents insurance as we have nothing of any value really.
Just trying to 'tot up' replacement value for everything.
Though I realise in the event of a claim we would have to replace them so may not be as lucky with freecycle next time!

Thanks
BHB

FlameCloud

1. Contents
2. Should be buildings (very very limited circumstances it may be conrtrued as contents)
3. Should be buildings (very very limited circumstances it may be conrtrued as contents)
4. Buildings
5. Contents

barshamhillbilly

Cheers Flamecloud
Thats pretty much what I thought

JUst had a couple of quotes for seperate Buildings and contents and EACH are more than I am paying for a combined policy now ..... Bizzarre!

Worth investigating though.
Cheers
BHB