Natural disaster
Your buildings insurance should cover you from disasters such as storms, flooding, fire.
Water damage
Damage from burst pipes or leaks should be covered by your policy
Subsidence
Damage caused by your home sinking into the ground should be covered
Fallen trees
If your home is damaged by a falling tree, building insurance can help cover the cost
Vehicle collisions, break-ins, and vandalism
Damage caused by vehicles, burglary and vandalism should be covered by your insurer