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.
In just a few minutes you can compare Buildings Insurance quotes from some of the UK’s leading insurers, including those exclusively available to Policy Expert.

Buildings Insurance - Standard Cover in our policies:

  • Properties of most shapes, sizes and construction types covered, up to a rebuild value of £1 million.
  • Garages, sheds and outbuildings covered as standard.
  • Accidental Damage Cover for damage to mains services, fixed bathroom fittings and fixed glass only.
  • Alternative Accommodation for your family if your home becomes uninhabitable.
  • Trace & Access – Our insurers don't just fix the damage, they can also help to diagnose the root of the problem.
  • 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.

Here are a few commonly asked questions about Buildings Insurance:

How much should I insure my home for?

You should 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.

What is Accidental Damage Cover and do I need it?

We know that accidents happen. This could be anything from stepping through a floorboard, escaping water from a leaking pipe, or a football through a window! We offer Basic Accidental Damage Cover as standard in our policies as we want our customers to have peace of mind from life’s little mishaps.

Why use Policy Expert?

  • We are rated the UK’s Number 1 Home Insurance provider!
  • We have a UK-based customer service and claims team
  • We provide online access to all of your policy documents
  • There are no hidden fees – what you see is what you get
  • All of our policies are written in Plain English, not insurance jargon
  • We can fix your price for two years

What you’ll need to run a quote

  • Your address (type of property, roughly when it was built, number of rooms)
  • General information about your property such as the types of locks used
  • Who lives there, and when are people typically at home
  • How much would it cost to rebuild (we’ll suggest a figure based on your postcode)

Home Insurance Service Reviews

84%
average customer rating for our service
(from 2,863 reviews)
4 4/5 12 monthly payments
Only issue when joining policy expect was that you are not informed about another company looking after the monthly payments.

5 5/5 All I needed at a good price
Found through compare site and offered good cover at reasonable prices

5 5/5 Excellent customer service as well as first class product.
I have been with Policy Expert for two years. As I am perfectly happy, I have just renewed my policy with a fixed price for a further two years.I had occasion to get in touch with customer service and I was very impressed and I have to say delighted with the outcome. I would certainly recommend this Company. Pat Galloway, Fife.
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5 5/5 I'm on my second term with Policy Expert
Haven't had to use their services touch wood! But setting it up and using it to compare against other Insurers I have been really pleased.

5 5/5 No hassle renewal
Policy Expert came in at the most resononable price again and when I called to add on the Home Emergency cover the person I spoke to was more than helpful. Would recommend.
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5 5/5 insurance review
Good service easy to use thanks

5 5/5 Good price
Phoned up. Spoke to pleasant young man. Got a good deal. Accepted the price. All good. Thanks

4 4/5 Home & contents insurance
The policy was everything I was looking for at a pretty good price.

5 5/5 Clear and easy to deal with
Keeping things easy for customers to understand is a good practice

4 4/5 very happy customer.
Fantastic cover that couldn't be beaten by any other insurer for the price.

Home Insurance Claims Reviews

96%
average customer rating for our claims
(from 25 reviews 1)
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

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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!

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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

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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.

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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.

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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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more reviews

Home Insurance Guides

Protecting yourself with Property Insurance

Whether your property is damaged by floods or fire or if your possessions are stolen, your property insurance should see you back to normal.

Outbuilding Insurance for Sheds

Thousands of pounds worth of items are kept in sheds, from mowers and power tools to sports equipment, bicycles and valuable audio equipment.

Bungalow Insurance

Bungalows generally cheaper to insure due to the re-build costs usually being lower than for a ‘normal’ home.

Guide to Contents Insurance

Contents insurance is there to make sure that if the worst were to happen, you wouldn’t have to pay to replace all your belongings.

Flat Insurance

Whether you own or rent the flat you live in, shopping around for flat insurance can be more complicated than with cover for a house.

Home Insurance Comparison: 5 things you need to know

When you compare home insurance quotes, it can become a little confusing and it's all-too-easy to make false comparisons.

Optional Extras:

Home Emergency

Home Emergency

Boiler broken down? No running water? This cover aims to get an approved tradesperson to you within 2 hours.

Cycle Cover

Cycle Cover

Extends your contents cover to include bicycles away from home or worldwide with Extended Bicycle Cover.