Buildings Insurance

Fixed price cover until 2016*

We'll fix the price of your home insurance for 2 years, so instead of your premium going up next year it will stay at the same low price. Compare quotes now from our panel of hand-picked insurers.

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.

What’s standard cover in our Buildings Insurance policies?

Check our Policy Documents for full details as they differ by insurer.

What is covered in our Buildings Insurance:

  • Properties of all shapes, sizes and construction types covered up to a rebuild value of £1 million.
  • Garages, sheds and outbuildings covered as standard.
  • Basic Accidental Damage Cover for damage to cables, fixed bathroom suites and fixed glass.
  • Alternative Accommodation for your family & pets if your home can’t be lived in.
  • Trace & Access – our insurers don’t just fix the damage, they get to the root of the problem and wherever possible, fix that too.
  • 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.

Some common Buildings Insurance questions from our policyholders:

Q.How much cover do I need?

A. You need to 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.

Q.I use my home for business, can you cover me?

A. Possibly. Most of the policies we sell are designed for use by families; however we do have one or two which cover some types of business use, such as lodgers, fostering and smaller values of stock and equipment kept on the premises. Working for your employer from your home is not usually classed as business use, unless you hold meetings there or receive business visitors. Check our Policy Documents for full details or ask one of our Policy Experts on 0845 4 100 801.

Q.How do I know if my home is subsiding?

A. An early sign of subsidence is doors and windows becoming sticky and difficult to open and shut. This combined with new cracks appearing or existing cracks growing in size and depth can be an indication of subsidence. Sticky doors & windows on their own could be a result of wet weather. If your home is a new build, some cracks may appear as the building settles – this isn’t subsidence, but you should check with the building company. If you’re worried about subsidence, phone your insurer’s claims department as soon as possible.

Q.What am I not covered for?

A. Most commonly, insurers reject claims due to what’s called “wear and tear” or due to the property not being maintained to a good standard. This includes the exterior such as the roof, brickwork and drains; and the interior including the electrics and bath/shower sealant. It’s important you regularly check your property to ensure it’s in a good state and so isn’t vulnerable to damage. Full details of what isn’t covered can be found in the Policy Documents.

Home Insurance Reviews

4.4 Av. rating 4.4/5 (1,167 customer reviews)

We ask every new customer to tell us what they think of our service. Collected by an independent third party – Trust Pilot.

3 3/5 Great price but offer only available online!
Having looked at similar prices I found this to be the best price and gave me the cover I wanted. I was contacted by a member of the team to ask if I wanted to continue with my purchase but as I was halfway through I declined. I then got locked out of the website and had to call for assistance. When I got through I was asked if I wanted to complete over the phone however they couldn't match my online deal??? Granted it was not much more but every penny counts. The person I spoke to didn't appear to agree with me and pushed for an over the phone sale which I declined. I nearly didn't take out the insurance because of this but cost and cover were my main drivers. I can't understand why the price was different, as I said good cover and great price but a bit pushy on the phone for me.
5 5/5 Easy as 1,2,3.
Needed to find a better rate for home and contents insurance, so went on Compare the,A few others were cheaper until you added on Legal cover and Home emergency. Policy Expert include both for free and the cover is as comprehensive as others .I am saving £137.00 on the quote to renew with the company I used last year, so I'm very happy. Why easy as 1 2 3,........1)select Policy Expert from' Go Compare' 2) Fill out information ,and select payment method, 3)Download policies,Job done!
5 5/5 Very good quality insurance and a brll price!
I got this very good quality insurance at an excellent price with some freebies thrown in like Legal help and home emergency cover. You should try it, you can't fall off !!!
5 5/5 Clear and precise responses to Questions
I used to look for house insurance. it was quick and offered me the option to have the top results call me. Policy Expert did call, and were the only ones, and were really great. There was no pressure to buy the policy, when I asked questions the consultant knew the answers or checked them and responded clearly and precisely. When I wanted to think before buying he was only too helpful, and I could speak to the same person again when I bought the policy. I got the policy I wanted and lovely customer service.
5 5/5 Great service and very friendly :)
A very friendly and helpful conversation, checking what I needed and making sure I didn't purchase anything I didn't need. Made sure I understood what I was purchasing and was satisfied throughout the discussion.
5 5/5 Brilliant! - Helpful, Professional, Informative and Friendly!!
I have recently purchased Home Insurance and it was a successful, quick and hassle-free experience and the price was so cheap compared to elsewhere. Fantastic and would use again next year. Thanks Policy Expert.
5 5/5 Bit like ronseal,does excactly what it says on the tin, brilliant service!
Trawling through the internet looking for the best value and cover for my money, policy expert did all that and then some, got a quote from my previous insurer of £394, enquired and checked out this company, sorry to say I had not heard of them, looked at the reviews and took the plunge. My quote for the same cover on everything was £160, no brainier, thank you.
5 5/5 Definitely worth a look..
Quick and easy to arrange on line and very competitive. I liked the immediate phone call to double check everything was correct.
5 5/5 helpful staff, easy and quick to insure our property
After comparing house insurance on websites I decided to go to policy expert and I'm glad I did. They were very helpful and explained the policy in detail. They were very polite and I would recommend them to anyone.
5 5/5 easy to use website
Saved an absolute packet, excellent value for money, and i admit it wasn't the cheapest, but definately the best value.
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