Buildings Insurance

Fixed price cover until 2016*

Primo Insurance from Policy Expert. 5 Star rated by Defaqto
Primo Insurance

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 0330 0600 601.

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 Service Reviews

average customer rating for our service
(from 1,259 reviews)
1 1/5 let me down
Placed a policy with this company and was told I would get £75 cash back - have now heard from Quid co the cash back company and Policy Expert have declined to pay up. Would not use them again.
5 5/5 Money Saving
Very helpful , explained everything over the phone . I finished up saving over £200.00 and the policy I finally went for ticked all the right box`s . Hope they are just as efficient if I need to put a claim in .
5 5/5 Their very efficience and friendly sales team sorted me out a great deal in no time at all.
I very quickly got what I wanted, it was almost a pleasure to pay the bill, but you know what they say 'you only find out how good your insurance is when you make a claim'. Lets hope it's as good as it sounds and the experience can be repeated next year!
5 5/5 exellent experience in purchasing home insuranse
thank you for the very good way you took the time to explain the contents of the home and contents policy to me. mr scott butler was excellent and took the time to answer all my questions many thanks Stan Turner
5 5/5 All went well, no complaints.
Great value, low cost insurance! Beowulf definitely recommend.
5 5/5 Straight talking, delighted I chose this company to do business with
As usual renewal date was fast approaching and my main aim was to try and keep the overall cost of our House and Content Insurance either at the same level or preferably lower. I was delighted when the outcome met my expectations. Everything was explained in detail and for the first time someone actually took the trouble to listen and fully explain all the questions I posed. I would definitely recommend this company to a friend should the occasion arise.
5 5/5 Could not best their conditions or quote.
Every question I asked was fully explained to me,and the salesperson could not have been more helpful,
1 1/5 Pushy and rude sales staff
I used compare the market to find a good deal on new home insurance. This company was one on my results list. I was in the middle of looking at their policy when I was called by them. I explained that I was in the process of comparing deals and reading what level of cover they all offered. The sales person on the phone then became extremely pushy trying to get me to buy this policy. I again informed him that I wanted to check all the deals out before I committed. Again he got very pushy and got quite an attitude, letting off a big huff when I again declined. Due to their aggressive sales pitch, I will not be taking out a policy with them. After reading the actual policy wording and reviews I can see that they are cheap for a reason and am glad I did not cave in to the bully boy selling tactics. It concerns me that elderly / vulnerable people will fall foul of their approach and be pressured into buying something their not sure of and does not need their needs.
1 1/5 would not recommend :(
I had no problem setting up the policy but as soon as I needed them to help with a claim as part of my ceiling had fallen down due to a leak in my roof, I was shut down. I was told that the wind was not strong enough to be a storm even though it was due to rain that caused the problem. I had asked the lady I spoke to if she could explain what I was covered for on my policy and I was told to read my documents. I was also told that they would not send anyone out to investigate I had to pay for that myself or for me to get up a ladder to my roof myself. I do not feel like anyone wanted to help or even listen to what I was trying to explain. so I have been left with a leak in my roof somewhere and a ceiling that has fallen down. I have never claimed and for my first experience this is not the customer service that I expect and I would not recommend to anyone. I have not find them helpful in anyway.
4 4/5 Slick, quick and to the point
Policy Expert staff were. friendly without being pushy and explained all I needed to know regarding my buildings and house insurance policy. I would recommend them to anyone as their prices are first class.

Home Insurance Claims Reviews

average customer rating for our claims
(from 25 reviews)
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…

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…

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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