The structure of the home; namely the foundations; walls; floors; doors; windows; roof; plumbing; fixed electrical wiring; decorations; and insulation. It also includes permanent fixtures and fittings; such as kitchen units and fitted bedroom furniture.??The general rule is that everything immovable that would be left behind on removal is treated as ‘dwellings’; and everything else as ‘contents’. Fitted carpets are however generally treated as ‘contents’; and whether TV and radio aerials are treated as ‘dwelling’ or ‘contents’ varies between insurers. ‘Dwelling’ also extends to include outbuildings; garages; greenhouses and sheds; paths; drives; walls; and patios; and – for most of the risks covered by policy – fences and gates.

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