What types of events are typically covered under buildings insurance?

Buildings insurance is designed to protect homeowners and property owners against certain types of damages to the physical structure of their property. The most common events covered under this type of insurance typically include perils that can cause significant damage to buildings.

Fire, lightning, explosion, and earthquake represent severe and often unpredictable events that can lead to extensive damage to a structure. These perils are specifically included in many standard buildings insurance policies to provide coverage against catastrophic losses. For instance, a fire can completely destroy a building, while an earthquake can cause structural instability. Therefore, insurance providers include these events in their policies to safeguard property owners against these high-impact risks.

The other options include events like theft and civil disorder, which, while significant, are generally covered under contents insurance rather than buildings insurance. Additionally, flood and accidental damage, although critical, may not be universally covered under a standard buildings insurance policy without specific endorsements or additional coverage. This reflects the focus of buildings insurance on maintaining coverage against structural risks rather than personal property risks.