What is typically included in the definition of buildings for insurance purposes?

In insurance terminology, buildings are most often defined as structures that are permanently affixed to the land. This definition is critical because it delineates the types of properties that are eligible for coverage under various insurance policies. Permanent structures typically include residential homes, commercial buildings, and any other constructions that are intended for long-term use and cannot be easily moved.

The understanding that buildings are those affixed to the land ensures that insurance policies can adequately assess risk and provide coverage for property that is expected to endure and maintain its value over time. This distinction is essential for determining liability, ownership, and the insurability of the property, as it differentiates between real property and personal property or temporary installations. The permanence of the structure is a fundamental criterion in evaluating the nature of the insurance binder and the associated risks.