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

85%
average customer rating for our service
(from 3,307 reviews)
1 1/5 Unable to opt out of automatic renewal
Terrible first experience of this company. I informed them by email that I DO NOT want my policy to automatically renew. I've read reviews here that Policy Expert take payment 1 week BEFORE renewal date. I didn't want to get caught in the same trap. I received an email reply stating that I cannot opt-out of automatic renewal unless I'm within 30 days of the policy lapsing. This is a complete con. It's my money, and I've informed them far enough in advance that I do not want automatic renewal. Why is this so hard for them to process? It'll only be a tick box exercise on their part. If your listening Policy Expert, what will you do to restore my faith in you before I contact the Financial Ombudsman Service? UPDATE: Can you confirm the auto-renewal has been opted out? I haven't received the email you promised following my review posted above. Thank you
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5 5/5 bargain
much cheaper than rivals

4 4/5 Everything went very well and staff very friendly.
The whole telephone call was handled very professionally.

4 4/5 Straightforward and compares well to others
It was just like taking out insurance elsewhere, haven't made a claim so lets hope I don't have to and if I did their service is up to scratch. The separate credit agreement from another company is a bit weird and hope that doesn't lock you in to another year.
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4 4/5 nice and smooth
it was good nice and smooth process and experience

3 3/5 Website needs improving
I couldn't retrieve a copy of my policy. Your website has issues! It would not retain my date of birth and kept reverting to 1 January 1900 as though it was a default. I phoned your number and spoke to a very helpful man who emailed the information. A longish wait on hold beforehand 8-10 minutes. What should have been a simple task took 30 minutes. I will rethink before insuring again with you.
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5 5/5 Very quick, and good price
I recommend this company as they answer you asap, easy to talk too, n fantastic value

5 5/5 Competitive
Easy to renew, competitive pricing and a call centre that has staff who know what they are talking about and not so scripted!!!

5 5/5 Excellent choice
Very good policy in terms of cover. Easy to arrange. Very competitive price.

4 4/5 Quick and pain free!
Easy to use, happy with service

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

Garden Insurance

When making a claim for garden contents, Home Insurance policies often have a greater number of exclusions and limitations.

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.

Property insurance for Listed Buildings

Properties which are of the ordinary can be a little more difficult and expensive to get home insurance for than standard homes.

Types of Home Insurance cover

When you’re comparing quotes it’s important to understand the different types of home cover available, and the extras you might need to add.

Legal Expenses Cover

Legal expenses insurance ensures that if you do get involved in legal proceedings, you’re financially covered for the costs involved.

Optional Extras:

Away From Home

Away From Home

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