Buildings insurance

• Your home
• Outbuildings
• Driveways
• Walls
• Garages
• Fences
• Patios
• Swimming pools
• Boreholes
• Swimming pool and spa pumps
• Gate motors
• Tennis courts
• Underground pipes and cables

Swimming pools are covered by homeowners' insurance, which we at King Price call buildings insurance. The reason some people get confused is that swimming pools and swimming pool pumps are covered, but pool cleaning equipment isn't covered by buildings insurance.

Carpets are covered by buildings insurance from King Price if they're fitted to the floor. In this case, they count as part of the immovable structures, fixtures, fittings and improvements that make up your home. Loose carpets and rugs should be covered under a home contents policy and not buildings insurance.

If by home insurance you mean buildings insurance, then yes, it's compulsory if you have a home loan through a bank. It's probably a good idea to get cover anyway, because the costs can be ceiling high and difficult to pay out of your own pocket if the worst happens.

How much you'll pay to insure your home is tricky to say without knowing the value of your property, and a few other details. This info goes into calculating your premium. The easiest way to find out how much you'll pay is to get a quote from the king by clicking here.

Homeowners building insurance, which we in the kingdom just call buildings insurance, covers the built structure of your home and its permanent fixtures and fittings against things like accidents, and damage that's caused by fire, theft and even natural disasters... Like storms.