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 and Contents 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 choose 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

86%
average customer rating for our claims
(from 4,097 reviews
5 5/5 Very good renewal price
Very good renewal price so stayed with them for another year.

5 5/5 Quick response when I requested hard …
Quick response when I requested hard copy through the post.

5 5/5 Easy and clear policy
Easy and clear policy

5 5/5 Great choice for home insurance
Easy to apply with the best cover available for me

5 5/5 Happy customer
Full and comprehensive service without being too technical.

5 5/5 Friendly and easy staff to speak to
Friendly and easy staff to speak to, happy to discuss options and willing to keep you as a loyal client, have used their services for several years now with no complaints
...more

5 5/5 Very professional and helpful
Very professional and helpful

5 5/5 Very easy to use
Very easy to use, very competitive prices

5 5/5 Very satisfied would definitely …
Very satisfied would definitely recommend to my friends and family, was very happy with everything that was explained to me before purchasing product, which offered me the best price for both my building and content insurance.
...more

5 5/5 Great Price and Service
Renewal quote cheaper than on any comparison website. I rang to make a couple of amendments and was very impressed with the prompt response and overall service.
...more

5 5/5 Easy to set up
Easy to set up , competitive price.

5 4/5 Good straight forward application …
Good straight forward application process - only issue was with the electronic signature of the credit agreement. Took a couple of goes to sign it.

5 5/5 I thought it was very user friendly and …
I thought it was very user friendly and when I needed to amend my cover the customer service was very helpful

5 5/5 Excellent service and very supportive
Excellent service and very supportive

5 5/5 very easy to use
very easy to use

5 4/5 Failure to give cover
Agents were fine but all pointless as you were unable to give me cover very frustrating

5 5/5 Very efficient
Very efficient. Renewal was easy and price very good.

5 5/5 This is our second year with Policy Expert
This is our second year and we were pleased to get a really good renewal price rather than the usual inflated second year deal leading to time consuming cost comparison.
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5 5/5 great just so easy to use
great just so easy to use thanks again fab deal

5 5/5 Tremendous cover, great value
Tremendous cover, better than my previous insurer, at a much lower price than anywhere else I found. Fingers crossed that I never need to call on their customer service, but if it is as good as the web site information and buying process, I am sure all will be well.
...more

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
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

...more
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

...more
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.

...more
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

...more
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
more reviews

Home Insurance guides

Protecting yourself with Property Insurance

Whether your property is damaged by floods or fire or if your possessions are stolen, your property insurance should see you back to normal.

Checklist for keeping your House Insurance Premiums Low

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

New Build Home Insurance

New build homes are often more energy efficient, and have brand new kitchens, bathrooms, carpets and have the latest in hi-tech specifications.

House Insurance Rebuild Costs

Whether you have a mortgage or own your home outright, it's vital that you financially protect yourself against damage occurring to the building.

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.

Working from home and home insurance

What sort of insurance do you need if you work from home? And what might you need to add to your existing cover to take into account what you do?

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.

Cycle Cover

Cycle Cover

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