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 2,750 reviews)
4 4/5 Good overall
Renewal was painless but I do think the yearly premium should not be taken out until a few banking days before the renewal date. A month before is a little unreasonable. Otherwise, no complaints.
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4 4/5 Great service
Handled with one phone call.

5 5/5 Home Insurance Renewal
Professional, obliging and extremely helpful. Outcome: Renewal of policy for another year

3 3/5 customer NON services
The phone staff are great its the customer services that let everything down ,this is the third year i have been with POLICE EXPERT so by now i SHOULD have had three vouchers BUT i have only had ONE although for the past two years i have been promoised the vouchers by CUSTOMER SERVICES i have not recived anything , And it looks like it will be the same this year , if it is i will NOT be insuring through them again
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4 4/5 No fuss cover
Carefree cover made easy, no price hikes when renewing, as it should be.

5 5/5 house inurance renewal
it all went through smoothly,, and was very quick...

5 5/5 signing the loan paper
The only thing that did not go right was at the end when it came to signing the paying monthly loan agreement. For some reason it would not let me sign online & they had to send me a copy to sign. Not really a problem, but that was all I could think of for you.
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5 5/5 Home Insurance feedback
Meets all my requirements , nice company to do business with . Have not had a need to claim thankfully.Very competitive pricing . Cheers.

5 5/5 Fairly priced, good communication
Have been with them for the third year. We haven't needed to use them yet but the application process is uncomplicated and their communication is speedy and helpful.
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5 5/5 Excellent Service
Even though I have never put a claim in, I have found that any contact has be of the highest standard

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.

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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

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.

Gadget Insurance

If your gadgets were stolen or broken, it could potentially have a devastating effect, so its important to make sure you’re properly covered.

Garden Insurance

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

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.

New for Old Cover

Most home insurance policies offer ‘new for old’ cover as standard for the building you own and its fixtures, fittings and contents.

Over 50s Home Insurance

A major financial benefit to getting older is that the cost of over 50s home insurance generally drops for nearly all types of cover.

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.