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

average customer rating for our service
(from 3,541 reviews)
5 5/5 Good service!
I rang round a few comparison sites but they were not much cheaper. When I phoned to renew I asked if there was a discount for renewing and they dropped it by 10%, so delighted, very pleasant helpful young man on the phone, would definitely recommend.

5 5/5 A great company
I changed to policy expert and save over £165. I think that says it all.

5 5/5 I was very easy to access the web site
So far things have been very straight forward may it continue.

5 5/5 Very Satisfied
It was a delight to find a company who looks after YOU! The representative was extremely pleasant to talk to and well informed on the various products available, taking the time to find a product to suit YOUR requirements and whats best for YOU. I felt very happy and satisfied after using this company whom, I felt, went out of their way to help me get the best for my budget.

4 4/5 Telephone experiences were really excellent.
Telephone conversations with your representatives were excellent, but policy restrictions and excesses did not suit my requirements.

5 5/5 House insurance
Very helpfull.Lovely manner of lady who talked to me.Cant remember her name.

5 5/5 Excellant service no problems even when they forgot a claim
On the quote you forgot a claim for lost jewelery but you checked it out and found it yes premium went up but I expected that very good service and attention

4 4/5 Insurance renewal
Prompt service

5 5/5 HOme insurance policy
Website easy to understand and straight to the point. Excellent price and choice.

5 5/5 Ease of availability
Signing up was easy and cover for legal aid home emergency was included in the price.

4 4/5 Good value Insurance but shame about the Website
When they get the Website to allow you to change details and review your policy details it would be 5 stars *****

4 4/5 Surprisingly painless experience
having just spoken with my current Insurer (Home & Contents) to find that they would not honour the online quote generated by a Comparison Site, it was almosrt a pleasure to call back to Policy Expert (Lewis Waldron) and spend my long earned Pension income with somebody of reasonable disposition - having gotten through the, unfortunately necessary, T&C spiel. My only complaint concerned the dirge like 'on hold' musak.

Apart from the website not letting me make the changes to my renewal & having to start from scratch over the phone (which was quite time consuming) the service was excellent and a very good price. The only other problem was I didn't receive my online policy as the lady typed my email address wrong even though I did spell it for her twice so another phone call was needed but the lady was very helpful! Would still highly recommend.

5 5/5 Competetive and comprehensive
Quick and easy transaction and saved £80 on the deal. Would recommend

4 4/5 buyinng home insurance
I did it over the phone ,it was made easy and understandable

5 5/5 Policy expert
Great web site /prices and more importantly good cover!

4 4/5 Good value cover, well priced optional extras.
Lower price with better cover than I could get on all the comparison sites. A few language difficulties with the operator who at times spoke her script rather too fast for me to hear clearly. Everything else was straightforward.

5 5/5 Rating
I rate this Company highly and give it 5 stars

5 5/5 House Insurance
Will not hesitate to use again. Excellent.

5 5/5 Excellent service!
Excellent value for money, excellent service!

Home Insurance Claims Reviews

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

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

5 5/5 Polite, helpful and understanding

I would also like to take this opportunity to express my gratitude for the service I have received from you and your team.

On every occasion that I spoke to people they were all polite, helpful and understanding. This has made the difficult event I have had to experience a little easier to deal with

4 4/5 Such a smooth process

I’m really pleased with how easy and smooth the entire process has been. When I come across a company like yours and I do get good customer service, it’s a surprise and a pleasure

5 5/5 Good working practice

Once again I am staggered by your efficiency and good working practice. You may not appreciate just how reassuring it is to feel your insurance company is doing its best to help.
I have passed on your details for when it is time for them to re-new their policy.
Us alike will, because of the way this claim has been handled re-new our policy with you and perhaps look into changing some of our other policies.

5 5/5 Thank you

Thank you for all your help with our claim. You have helped to minimize the stress and sadness this incident has caused.

Many thanks for all your time and understanding on all of this, and thank you for understanding the situation and working so hard on our behalf

5 5/5 Our first insurance claim in 47 years of marriage

Thank you and your colleagues for assisting my claim . Yesterday Martindales installed replacement doors to our satisfaction we have been well supported by your company and in particular the staff throughout our claim. This is our first insurance claim in 47 years of marriage, we thank you all for your care and attention and hope to keep claim free in the future.

more reviews

Home Insurance Guides

How to Invalidate your Home Insurance

Understanding some of the more common reasons Home Insurance is invalidated, can help you avoid making the same mistake.

Guide to House Insurance small print

It’s vital to take a really close look at the small print when you take out Home Insurance cover to ensure you don't get caught out.

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.

Bicycle Insurance

Many people assume their bicycle is covered by their Home Contents Insurance, but it’s important to check your policy wording carefully.

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.

Optional Extras:

Cycle Cover

Cycle Cover

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

Away From Home

Away From Home

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