Buildings insurance

Compare cheap buildings insurance quotes

Start a new quote
Takes about 8 mins

Log in to make it quicker

What does buildings insurance cover?

Generally speaking, it covers the structural parts of your home that aren't easily removed such as walls, roof, floors, ceilings and garages. Buildings insurance normally covers damage caused by:

  • 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 (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 may require 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.

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, try our guide to help you calculate the re-build cost of your house

Other information to have handy is the date your property was built and the types of locks on your doors.

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.
After buying home insurance or car insurance, 96% of customers would recommend us (based on 3855 respondents - as of 09/03/18). Read our reviews