Buildings insurance

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"Straight forward and simple to use. Takes the hard work out of finding the best deal that's right for me."
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of customers would recommend Confused.com after buying home insurance

We compare 65 insurance companies to save you money on your home insurance.

What is buildings insurance?

Buildings insurance offers protection for the permanent fixtures in your home such as the roof, walls, floors, bathroom fittings and ceilings. Garages, sheds and fences also tend to be covered.

Buildings insurance doesn’t cover loss or damage to your contents. However, you can opt to add contents cover to your policy. A combined home insurance policy can often work out cheaper than taking out two separate policies.

If you have a mortgage, buildings insurance is usually compulsory as the lender will insist you’re covered to protect their investment. If you’re renting your home, your landlord should have a policy in place to protect the building.

A good policy should cover the full repair/rebuild of your home should the worst happen.

What does buildings insurance cover?

Buildings insurance could cover the cost of repairing damage caused by:

house

How much cover do I need?

Start with calculating the rebuild cost of your house – once you know this figure you’ll have a better understanding of how much cover you need.

When you get a quote we work with our friends at RICS (Royal Institute of Chartered Surveyors) to calculate an estimated rebuild cost based on the details you provide. We look at things such as type of property, location and construction type e.g. brick walls and a tiled roof. It’s important you check this estimate against your own to ensure you’re adequately covered should you make a claim.

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 offer high value home insurance as a specific policy.

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

You’ll need to let us know if your property is at risk of or has previously been flooded by an external source e.g. a river, heavy rainfall or the sea.

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.

How to get a buildings insurance quote

To get a quote for buildings insurance you’ll need details of your property such as:

  • The type of heating system installed in the home
  • The rebuild cost of your home, not the market value 
  • The date you bought the property and the year it was built 
  • Details of any previous claims 

How to get cheaper buildings insurance The average price of buildings insurance is £121.82* but premiums can vary considerably depending on the type of home you want to insure. Here's some tips:

  • Don’t over insure
  • Avoid ‘guesstimates’ when it comes to insuring your home. It’s important to give an accurate cost of rebuilding your property, otherwise you’ll end up paying for more cover than you need.

  • No-claims bonus
  • If you’ve not previously made a claim you’ll usually be rewarded with a discount from the insurer. The more years you go without claiming, the bigger the discount applied.

  • Explore policy options
  • If you’re a homeowner it’s typically cheaper if you opt for a combined policy covering both buildings and contents insurance from the same provider.

    *Feb 2021 data - top average premium excluding quotes with claims or accidental damage

  • Pay annually
  • Monthly instalments can be the easier option at times, but this can be the more expensive option as insurers often charge interest and admin fees on top of your premium.

  • Shop around
  • Don’t just accept your renewal quote from your existing provider. It’s not always the best deal.

  • Install smoke alarms
  • Regardless of this saving you money, you should have smoke alarms fitted and regularly maintained in your home.

Home insurance FAQs Got some questions?

What is home emergency cover?

Home emergency cover is an optional extra that covers you for unexpected situations such as boiler breakdown or leaks from a burst pipe. It usually offers homeowners access to a 24-hour emergency helpline. If emergency assistance is required from a tradesperson then the call-out costs, labour and repair costs are covered.

Will buildings insurance cover rising damp?

Typically, insurers don’t cover for gradual damage caused by damp. If you have signs of damp in your home it’s best to get them checked by a professional. Our guide can help you to spot the common signs of damp.

Do I need building insurance if I rent a property?

No, if you rent your property you don’t need to take out buildings insurance. Your landlord should have this covered as the owner of the property.

Can I get buildings insurance in a flood risk area?

Yes, you can protect your home against flooding even in a flood risk area. The government and insurers have an agreement which allows for affordable premiums even in flood risk areas, it’s called Flood Re.

Do I need buildings insurance on my flat?

If you own a freehold flat it’s your responsibility to buy buildings insurance. However, if you own a leasehold flat, the building should be covered by your landlord. Take a look at flat insurance for more information.

Will building insurance cover subsidence?

Most building insurance policies cover for any damage caused by landslip, subsidence or heave to your property. It generally covers repairs and rebuild costs. In the event of a claim you can expect to pay around £1,000 excess.

Home insurance FAQs

What do our customers think?

We've been comparing insurance policies for over 10 years, and with a decade's worth of experience we use our expertise to help you find our best prices.

Don’t just take our word for it, here’s what our customers say:

"Excellent value and easy to add extras to adjust to personal requirements." 5/5
Richard, April 2021.

"I found the process straightforward and simple and the results saved me over 30% on my impending renewal." 5/5
Dave, April 2021.

"Easy to follow, great selection of quotes, would highly recommend using confused every year for comparison." 5/5
Janet, April 2021.

What our home insurance expert says:

"Most mortgage providers will insist you have buildings cover in place. Even if you own your property outright, buildings insurance is still a no-brainer.
Structural repairs to your home can be pricey, especially if any damage caused requires a re-build. It can give you peace of mind that if something does happen, you’re not left out of pocket."
Home insurance expert, Jessica Willock's signature
- Jessica Willock, Home Insurance Product Manager

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After buying home insurance, 96% of Confused.com customers would recommend us (based on 11672 Reviews.co.uk respondents - as of 02/12/20). Read our reviews