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 3,084 reviews)
5 5/5 Great Customer Service
After searching online comparison websites, Policy Expert came up with a good deal. I called and received fantastic customer service and extras thrown in. The price was fantastic as was the customer service. Everything was explained very clearly.
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5 5/5 Great fast service
Great fast service, highly recommended, good policy reasonable value

5 5/5 It was good quick and well priced.
We were looking to renew our home insurance and looked via Go Compare. Policy Expert were not the cheapest on the list but in my view represented the best value because the price included Home Emergency cover and Legal Expenses cover. One of the other companies on the list rang me but admitted they couldn't compete.
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5 5/5 Happy Customer
Great service

3 3/5 Respect for loyalty?
I was disappointed that my original quotation was 8% higher than last year and when I used a comparison site Policy Expert we're offering a price about £20.00 less than my renewal quotation. A telephone call got my premium reduced but I very nearly went to another company. The person I spoke to was very helpful but not totally convincing in his explanation.
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4 4/5 Cheap policy but seems to provide sufficient cover
I must admit I've never heard of this company before but they were the cheapest for the same cover. I've not had any reason to contact them and all my documents are provided online so I can't complain.
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5 5/5 my insurance.
All the staff I had contact with were great and everything went smoothly. Thankyou.

5 5/5 price
had everything I wanted in with the price

5 5/5 Good value for money
It was the best price I found for building and contents. This is my second year. Well done policy expert

5 5/5 Very competitive
I have never stayed with the same insurance company for more than a year but Policy Expert were able to give me such a good price I couldn't refuse.

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

...more
more reviews

Home Insurance Guides

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

Contents Insurance for Tenants

Those who rent nearly always have to provide cover for their own possessions, and tenants insurance provides the financial protection they need.

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.

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.

Bungalow Insurance

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

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.

Key Cover

Key Cover

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

Cycle Cover

Cycle Cover

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