If you have just bought a property with buildings already on it or are intending on building fixed structures, you probably need to have insurance. Building insurance is cover against damages caused by natural disasters or people. It covers only the structure of the building itself, not the contents of the building.
For that, you need contents insurance. Let us stick to building insurance for now. There are a number of different options when it comes to building insurance, each different type will cover you for different damages. The first type of building insurance is loss and damage insurance. buildings and contents insurance is an excellent resource for this.
This type of insurance covers you against acts of God. That means you are covered against damage caused by natural disasters as well as damage caused by usual weather patterns, like lightning strikes or rain damage. It will generally cover your actual home as well as any other buildings on your property.
You can include standard accidental damage cover in your building insurance policy. This will cover you for damages caused to external fittings and add-ons to your home like solar panels and the glass in your windows. It can also be extended to include the piping and cabling that runs to your house.