If you have items like built-in hot tubs and ponds that are permanent structures and fixed to the grounds of your property, these would be considered part of your building and covered in the buildings section of your policy (where applicable).

If you have any temporary structures in the open grounds of your home, that could be easily moved around the garden, taken down or moved elsewhere, these would be considered as contents and therefore covered within the contents section of your policy. Please note that contents in the open are covered up to £2,500.