Are carpets covered by buildings insurance?

Carpets are usually covered under contents insurance rather than buildings insurance, because they are generally classed as removable items.

Buildings insurance normally covers the structure of the home and permanent fixtures and fittings.

If your carpets are damaged by an insured event, such as a fire, escape of water or flood, you may need contents cover to make a claim.

Always check your policy wording, as cover can vary.