The homeowners section covers accidental losses and damages to the insured building. The term buildings, in relation to homeowners refers to all garages, walls, gates, fences (other than hedges), swimming pools, tennis courts, sauna baths, paved driveways and pathways on the same premises. Several perils including fire, lightning, explosion, storm, flood, and earthquake are covered by this insurance policy. Householders (Contents Insurance) provides cover for the contents in the house, such as furniture, and fixtures and fittings.