In home insurance, insured infrastructure usually refers to the building (also called the structure or “building cover”) and its fixed elements. This includes all parts of the property that are permanently attached and form part of the home itself, not movable belongings.
What elements are included in the insured infrastructure?
Insured infrastructure typically covers:
Main structure of the home
Foundations, walls, floors, ceilings, roofs, facades, beams, pillars and load-bearing elements.Fixed installations and systems
Permanent installations necessary for the functioning of the home, such as:Water, gas and electrical installations
Heating and air-conditioning systems (including boilers and radiators)
Fixed sanitary installations (toilets, sinks, bathtubs, shower trays)
Telecommunications and TV aerials permanently installed
Fixed interior and exterior elements
Doors, windows, built-in wardrobes, chimneys, shutters, blinds, awnings and glass enclosures.Outbuildings and annexes (when declared in the policy)
Private-use garages, storage rooms, fences, boundary walls, and similar structures located on the same property.Refurbishment and improvement works
Improvements or adaptations made to the property that are permanently attached to the building.
What is not considered insured infrastructure?
Insured infrastructure does not include:
Furniture, appliances and personal belongings (these fall under contents cover).
Items used for professional or commercial activities.
Buildings under construction, unless specifically stated.
Certain elements such as gardens, plants or pools, unless expressly included in the policy. Solar panels are included under insured infrastructure only if optional coverage is selected in the insurance policy.