Buildings Insurance

Fixed price cover until 2016*

We'll fix the price of your home insurance for 2 years, so instead of your premium going up next year it will stay at the same low price. Compare quotes now from our panel of hand-picked insurers.

Buildings Insurance covers your property if it is damaged or destroyed due to factors such as flood, subsidence, fire or a break-in. Your mortgage company often make it a requirement of the mortgage to have adequate Buildings Insurance.

What’s standard cover in our Buildings Insurance policies?

Check our Policy Documents for full details as they differ by insurer.

What is covered in our Buildings Insurance:

  • Properties of all shapes, sizes and construction types covered up to a rebuild value of £1 million.
  • Garages, sheds and outbuildings covered as standard.
  • Basic Accidental Damage Cover for damage to cables, fixed bathroom suites and fixed glass.
  • Alternative Accommodation for your family & pets if your home can’t be lived in.
  • Trace & Access – our insurers don’t just fix the damage, they get to the root of the problem and wherever possible, fix that too.
  • Property owner’s liability insurance.

Optional Extras

  • Extend your Accidental Damage Cover for full protection, whether it’s a foot through the bedroom ceiling or a nail driven into a pipe, you’re covered.
  • Add Legal Expenses Insurance to provide up to £50,000 of legal expenses towards protecting your home rights. Find out more.
  • Add Home Emergency Cover to give peace of mind when disaster strikes. Find out more.

Some common Buildings Insurance questions from our policyholders:

Q.How much cover do I need?

A. You need to have enough cover to match the cost of rebuilding your property from scratch. This isn’t the same as the market value, which is the amount you would need to buy it, not build it. We don’t expect you to have expert knowledge of building costs, so we use the Building Cost Information Service (BCIS) of the Royal Institution of Chartered Surveyors (RICS) to suggest a rebuild amount for you. You can change this figure.

Q.I use my home for business, can you cover me?

A. Possibly. Most of the policies we sell are designed for use by families; however we do have one or two which cover some types of business use, such as lodgers, fostering and smaller values of stock and equipment kept on the premises. Working for your employer from your home is not usually classed as business use, unless you hold meetings there or receive business visitors. Check our Policy Documents for full details or ask one of our Policy Experts on 0845 4 100 801.

Q.How do I know if my home is subsiding?

A. An early sign of subsidence is doors and windows becoming sticky and difficult to open and shut. This combined with new cracks appearing or existing cracks growing in size and depth can be an indication of subsidence. Sticky doors & windows on their own could be a result of wet weather. If your home is a new build, some cracks may appear as the building settles – this isn’t subsidence, but you should check with the building company. If you’re worried about subsidence, phone your insurer’s claims department as soon as possible.

Q.What am I not covered for?

A. Most commonly, insurers reject claims due to what’s called “wear and tear” or due to the property not being maintained to a good standard. This includes the exterior such as the roof, brickwork and drains; and the interior including the electrics and bath/shower sealant. It’s important you regularly check your property to ensure it’s in a good state and so isn’t vulnerable to damage. Full details of what isn’t covered can be found in the Policy Documents.

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