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

86%
average customer rating for our service
(from 3,295 reviews)
5 5/5 Easy on line transaction.
This company did not have the lowest quote on offer. However once you took account of the extras provided like legal protection etc, this company was offering the best overall policy and the best market price. Don't just look at the lowest figure quoted or you may well find you are not getting the policy you require without adding extras which will then add to the cost.
...more

5 5/5 Perfect.
Friendly, helpful, informative staff giving me the best policy at the best price.

4 4/5 Great service without hassle
Renewed my house insurance without any problems , I was phoned by policy expert regarding the renewal and as the price quoted was as near as dammit to last year , and still competitive , it was a no brainer to go ahead with the renewal . The employee who called me was courteous , informative , and was certainly on top of his job . No complaints at all . Everything was done very professionally
...more

5 5/5 Good price good cover
So easy to do on line or over the phone

1 1/5 you got my name wrong.
you got my name wrong.

5 5/5 Good people to deal with
Found my quote via Go Compare and had to phone them up to clarify something. Extremely knowledgeable and helpful staff - and great price too.

5 5/5 Great service at the right price
Was able to get a great deal after checking on price comparison sites.

5 5/5 An easy experience
I did not respond to reminders as I was in hospital with a broken leg, however, on return I was contacted by telephone and renewed my insurance hassle free.
...more

5 5/5 Great value
Just renewed home insurance for the same price as last year. Just great.

5 5/5 Easy fast transaction
The young lady that dealt with my insurance renewal was professional,precise,and a pleasure to discuss my requirements with.This is obviously a company that Invests on People
...more

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

...more
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!

...more
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

...more
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.

...more
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.

...more
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

...more
more reviews

Home Insurance Guides

Subsidence and Home Insurance

This guide should help you understand subsidence better and ensure your home cover is sufficient to protect you against its affects.

Checklist for keeping your House Insurance Premiums Low

With a little effort you could potentially cut hundreds, if not thousands, of pounds from the long-term cost of your house insurance.

Home Emergency Cover

The costs involved with repairing the damage home emergencies can cause, and paying for replacements can be considerable.

Valuables Insurance

Many people own ‘valuables’ of some sort, and these items need to be treated a little differently when it comes to your Home Insurance.

How to make a Home Insurance Claim

Here’s how you should go about starting a claim and the best possible steps you should follow during a claim to ensure the outcome you want.

Optional Extras:

Key Cover

Key Cover

Providing round-the-clock protection and support including replacements and locksmith call out charges.

Away From Home

Away From Home

Can protect gadgets like tablets, smartphones and digital cameras, as well as jewellery, watches and glasses.