"The difference between buildings and contents insurance is that buildings insurance covers the physical structure of the property including the walls, roof and floors, while contents insurance covers items inside the property, like furniture and freestanding appliances."
这个是我找到的一份答案
但是感觉有很多边际不太清楚
比如说，我造了一个房子，然后厕所里面有一个内嵌式浴缸（对应free standing bath），这种算是building还是content啊？
还有我比如贴在墙上面的瓷砖，还有厕所的地面。
打个比方，一些老房子厕所下面都是先铺的承重timber(纵横交错)，然后再在timber上面弄一块板，最后再在上面涂水泥，铺瓷砖，
我想问一下，这种情况下哪些东西算是building哪些算是content呢？
如果我洗着洗着澡，突然浴室水泥板下面的一根timber折了，然后浴室垮塌了（这种情况我知道99.9999%情况都不会发生），这种情况我去报修，哪些算是building，哪些算是content呢。
A，我一个朋友跟我讲的是，他的理解是，毛坯房算是building，就比如你拿到一个毛坯房，地板，瓷砖，洗手池，马桶，浴盆什么都没装，这些算是building，其他的装修乱七八糟的算content
B，另外一个跟我讲的是，房子的装修，固定在房子上面你那不走的算building，家具乱七八糟的算content
请问哪一个说的对啊？或者哪一个说的更精确啊
评论
固定算building, 可以移动的算contents。但重点不是那些属于，而是那些属于赔付范围。天灾人祸才能赔付，你自己使用坏的例如马桶洁具地板不赔。
评论
如果老房子很多浴室没做防水，长时间浸泡导致下面的timber变软，最后腐蚀垮塌，这种算是天灾人祸吗，还是也算是自己使用坏的啊
谢谢了
评论
你这当然是自己使用坏的，保险保的是意外，不是积年累月的损耗。大火烧了水淹了树倒了进贼了之类的天灾人祸，否则保险公司要亏死了。
评论
B是不对的。physical structure of the property including the walls, roof and floors,是指外墙或承重墙裂了或结构出问题了不是你用旧的原因，屋顶漏了裂了和地板块裂痕等，不包括你家里的地板或地毯。
你说的厕所的一切都是contents。
如果厕所垮塌要看原因，一般是一半一半，除非是你室内水泡的结果你自己负全责。
评论
NRMA Home Content insurance
https://www.nrma.com.au/sites/nrma/files/nrma/policy_booklets/home_pds_0219_nsw_act_tas.pdf
这里面有详细的解释
General Contents
The things you or your family keep in and around your home
which include:
• furniture, furnishings and rugs
• carpets (if you are an owner who lives in your home, your carpets are
included as part of your General Contents)
• electrical items – for example, fridges and washing machines
• home theatre equipment – for example, TVs
• clothes, shoes and manchester – for example, sheets and towels
• toys and sporting equipment
• home improvement tools – for example, drills and saws
• gardening equipment – for example, leaf blowers and shovels.
If you run a business, trade or profession from your home, we also include
your home office equipment as General Contents – for example, furniture,
computer or office equipment.
Contents we don’t insure
We don’t insure:
• loose or unset gemstones
• plants, trees or shrubs growing in the ground
• grass, rocks and soil on your site
• building materials or items at your site that are due to be fitted to your home (we
provide limited cover for those items under Buildings Insurance – see page 35)
• animals
• the cost to replace any credit or financial transaction cards
• illegal items – this includes illegally downloaded digital media
• goods kept for sale, distribution, on display, exhibition or on consignment
• stock used in any business, trade or profession
• watercraft except for sailboards, canoes, kayaks, non-motorised surf skis and
paddle boards
• trailers, caravans, aircraft or aerial devices
• vehicles including:
– motor vehicles
– any registrable motorcycles
– any motorcycles greater than 75cc, or
– ride-on vehicles (for example, motorised golf buggies or carts) except for
mobility scooters used as a mob
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