Buildings Insurance

Fixed for 2 years*

Policy Expert Home Premier. 5 Star rated by Defaqto
Policy Expert Home Premier

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 and pets if your home becomes uninhabitable.
  • 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 0330 0600 601.

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.

Home Insurance Service Reviews

average customer rating for our service
(from 2,064 reviews)
5 5/5 Home and Contents Policy
I was amazed at the cost of this insurance its nearly £50.00 cheaper per month then the one we currently have. We appear to be getting cover we require and more for an extremely good price. thankyou
5 5/5 Excellent customer service
I had never heard of Policy Expert and was a little sceptical of using them until I read the reviews online. I normally do everything online but needed to call to clarify something. Was assisted by a lovely guy who was super helpful and, long story short, I ended up completing the purchase over the phone as I couldn't believe the level of cover I was getting for the price. I'm hoping to never need to claim, but if I do will expect the same level of customer care . . . a very happy customer :)
5 5/5 competitive quote
Very competitive and efficient service
5 5/5 Home insurance
The person I spoke to was very helpful and polite. My father was dieing at the time, and has in fact now died, and I wanted to change the policy to solely my mother's name. We were happy with the renewal quote but I was very surprised to be quoted £10 extra to change the name. It was explained that this becomes a new policy. I argued for my 90 year old mother and it was sorted out very quickly and with a good price. So thank you. They seem a very.helpful company.
4 4/5 Great Value! Totally Transparent?
I was an existing Policy Expert customer. When my insurance came up for renewal, I checked the usual comparison sites to see what was on offer. Policy Expert was head and shoulders above all the competition for premium and extras. However, one detail was slightly troubling. The premium calculated through my online search was several pounds less than I was offered in my renewal notice, even thought the details of the policy were the same. Is this yet another example of existing customers being treated less favourably than new ones? Having said that, even the higher renewal figure was better than any of the competition.
4 4/5 On the face of it this was the best insurance I aquired.
This is the first time I have used this company but on the face of it this was the best value and quality quotation I received so I am using this insurer for the next 12 months. I have never claimed from my home insurance company for at least 30 years so I am hoping that I still will not claim and I am hoping that this company will come up trumps if necessary.
5 5/5 very good
when asked to bring the price down they did
5 5/5 excellent service
I would recommend this service anyone very helpful and also cheaper than most
4 4/5 Pretty good
No probes purchasing and downloading documents. When I called to have something added the person was very helpful, waiting for the email with the addition
5 5/5 Great customer service and competitive prices.
Would recommend Policy Expert, friendly efficient customer service, excellent cover on policy at a very competitive price!

Home Insurance Claims Reviews

96 %
average customer rating for our claims
(from 25 reviews)
5 5/5 First Class!

I would like to thank you for your communication with me over this claim.
I think the attention you have paid to my claim has been first class.
Thank you again

5 5/5 A personal thank you…

Just a short note to say a personal thank you for your prompt attention to my claim.
I am impressed by the willing attention to all matters leading to a prompt conclusion. Funds received today!

5 5/5 The service was outstanding

The service was outstanding from reporting the issue to resolving it last night. Can’t thank you enough.

5 5/5 Wow!

Wow! I’m so impressed! I never imagined this would be so straight forward, thank you so much for brilliant service

4 4/5 Quick response

This has been a very traumatic time which has been made easier with your quick response and efficiency. I really can’t thank you enough

5 5/5 Swift help and concern

Thank you for your swift help and concern, I really appreciates it and have been with this insurance for a few years and I’m pleased with everything that’s been dealt with

4 4/5 We can not thank you enough

We can not thank you enough for all your assistance and help

5 5/5 Policy Expert will always look after us

We want to thank Roy and all others at Trinity Claims Team who may be involved for the excellent service which we have received throughout the process of our claim.

There has been common sense, politeness, good will and fairness all the way.
And it has been carried out with speed too. Many many thanks.

Our house is now back to normal and we feel confident that Policy Expert will always look after us.

5 5/5 First ever claim

I’d also like to take this chance to say how overwhelmed I am with the speed with which you have dealt with my claim and the extraordinary level of customer service offered to me. This is the first time I’ve had to claim on my insurance and I’d like to say a special thank you to yourself, Toby and Alexia for making this process so much easier than I thought it would be.

4 4/5 Friendly and efficient

Just wanted to say thank you for your friendly and efficient handling our call this morning following our fire.
It was a frightening experience for us but you certainly helped.
Once again, thank you

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