Buildings
The buildings sum insured should represent the full cost of reinstatement of the property (including the cost of
professional fees and site clearance), any garages, greenhouses and other outbuildings, swimming pools, walls, gates and fences. If the property is listed then VAT will also need to be included. Outbuildings are covered up to £15,000 automatically; any outbuildings exceeding this in reinstatement/rebuild value must be specified.