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Your building Insurance covers:
The structure of your home and walls, gates,       fences, hedges, footpaths, etc.

Outbuildings such as garages and sheds.

All permanent fixtures and fittings such as
     kitchen units, fitted wardrobes and wallpaper.
 
All of the above are covered against fire, storm      and flood (except hedges, gates and fences),      theft, vandalism, escape of water and      subsidence.

Your Contents Insurance covers

All household goods including all non-permanent fixtures and fittings e.g. carpets and curtains (but excluding clothing and linen).
Personal belongings in the home e.g. cameras,       bags and glasses and cash in your home.
All of the above are covered against fire, theft,       vandalism, storm and flood.