Skip navigation

Buildings insurance

You could save at least £223* on your buildings insurance today!

  • Get a buildings insurance quote in minutes and get our best prices from up to 80 providers, hassle-free.
  • Cover repair costs for your home when you need it most - come flood, fire or frost.
  • Want to protect your belongings as well? Compare contents insurance quotes and protect your home, inside and out.

*10% of buildings insurance customers could save at least £223.00 against their previous renewal price (Oct - Dec 2013).

A selection of our trusted buildings insurance brands

See all brands we compare

Looking for something more specific?

Flood insurance

Flood home insurance

1 in 6 homes in England is at risk of flooding. Protect yours today.

Listed building insurance

Listed building insurance

Protect your perfect piece of history from fire, flood and subsidence damage.

See all policy types

What does buildings insurance cover?

Generally speaking, it covers the parts of your home that aren't easily removed, including:

  • Damage to your house from flooding, fire and storms
  • Structural damage caused by subsidence and fallen trees
  • Water damage to your house caused by burst pipes
  • Accidental damage, in case you put your foot through the attic floor (sometimes an optional extra)

If your house has a rebuild value of over £500,000 - your home might be classed as 'high value'. This usually happens with listed buildings as repairing any damage required specific materials, which can increase costs. It's worth talking with your insurer, as some brands offer high value home insurance as a specific policy.

Before you buy a house, most mortgage lenders will insist that you take out a policy to cover the building.

If you're a landlord, you may need a specialist policy that is designed for rental properties to cover the extra risks involved.

Accidental damage was the most common type of buildings insurance claim in 2012, followed by storm damage. It goes to show that anything can happen, so getting covered is worth considering.

Roughly one in six properties in the UK is at risk of flood damage, and the number of people at risk is predicted to grow significantly over the next few decades.

With this in mind, protecting your house and fixtures from flood damage could save you paying thousands of pounds in rebuild costs.

What do I need to get a quote?

One of the questions asked when getting a buildings insurance quote is the predicted rebuild cost of your house. If you don't know what this would be, the Association of British Insurers (ABI) have created a Rebuild Calculator to help you.

Most standard policies could allow the house to be unoccupied for up to 30 consecutive days (enough time for a long holiday) and still be covered. Any longer than that, and you may need to seek out a specialist unoccupied home insurance policy.

Why compare buildings insurance with

  • We've been comparing insurance policies for over ten years, and with a decade's worth of experience we use our expertise to help you find our best prices.
  • We have a selection of handy guides to help you out if you're building a new kitchen, need to do some quick DIY or want to know more about what locks to use

Marcia Clarke Well chuffed with great savings on both car & home insurance using

Marcia Clarke Mar 2013

Juliet Cunnington The home insurance policy found me was £208 cheaper than my previous policy.... an amazing saving for just 10 minutes work!!!

Juliet Cunnington Mar 2013

grey avatar silhouette of person Easy to navigate and the best price I could find. Great!

Anne Mather May 2013

grey avatar silhouette of person Got home and contents through, a good deal and so easy to use to get prices and buy the best deal.

Brian Knight May 2013

grey avatar silhouette of person Easy to use to find the best deal for your needs at a competitive price.

David Gee May 2013

grey avatar silhouette of person Very quick and easy to find and sort out,top marks.

Elaine Burns May 2013

grey avatar silhouette of person I definitely saved money with! It is nice to be able to see all the quotes on one page and it is quite easy to use - I am no techno! Will use site again.

Fiona Salter May 2013

grey avatar silhouette of person The insurance was a very good deal, the cheapest I could find! Especially as it's hard to insure a flat when it is over 100 years old.

Gail Murray May 2013

grey avatar silhouette of person Excellent service, they do the hard work so you dont have to.

Lisa Prior May 2013

grey avatar silhouette of person Quick and easy to use. Saved me £200, thanks.

Peter Griffin May 2013

grey avatar silhouette of person It was easy to get information and choose which product was best for us then easy to contact the supplier.

Robert Francis May 2013

grey avatar silhouette of person I searched all the Insurance companies for quotes on home insurance and came up with some really good quotes. The website is very easy to use. saved me £100 on my original quote from my previous insurer.

Sandra Hardy May 2013

grey avatar silhouette of person Good, quick, and cheap.

W Booth May 2013

Compare cheap home insurance quotes

Home Insurance

Got a home insurance question?

See all related questions
Home Insurance FAQ

Rising risk of floods

Check out our infographic to find out more.

Rising flood risk infographic