Buildings insurance
5* rated Home Insurance cover
What is buildings insurance?
Buildings insurance is a type of insurance policy that covers the cost of repairing or rebuilding your home in the event of damage or loss. This can include damage caused by perils such as fire, flood, storm, subsidence, or malicious damage.
Buildings insurance typically covers the physical structure of your home, including the walls, roof, floors, windows, doors, and permanent fixtures such as fitted kitchens and bathrooms. It can also cover any outbuildings or structures on your property, such as garages or sheds.
The purpose of buildings insurance is to protect your home and provide financial support to repair or rebuild your property in the event of unforeseen damage or loss. It is typically required by mortgage lenders as a condition of the loan.
The cost of buildings insurance can vary depending on factors such as the size and age of your home, its location, and the level of coverage you require. It’s important to review your policy regularly to ensure you have adequate coverage for your needs.
Why should I get buildings insurance
There are several reasons why you may want to consider getting buildings insurance:
Financial protection
Required by mortgage lenders
Peace of mind
Customisable coverage
Protection for your investment
You should consider getting buildings insurance to protect your home and investment against unforeseen events, such as fire, flood, storm, subsidence, or malicious damage. Here are some reasons why you may want to get buildings insurance:
- Financial protection: Buildings insurance provides financial protection in the event that your home is damaged or destroyed, which can help you avoid significant out-of-pocket expenses.
- Required by mortgage lenders: If you have a mortgage on your home, your lender may require you to have buildings insurance as a condition of the loan.
- Peace of mind: Knowing that your home is protected can provide peace of mind and reduce stress, especially in the event of an unexpected loss.
- Customizable coverage: Buildings insurance policies can be tailored to your specific needs, with options to cover additional structures, such as garages or sheds, and to include extras such as accidental damage or legal liability coverage.
- Protection for your investment: Your home is likely one of your largest investments, and buildings insurance can help protect that investment against unforeseen events that could otherwise cause significant financial loss.
Overall, buildings insurance can provide important protection for your home and investment, and can help you avoid significant financial loss in the event of damage or loss.
How our buildings insurance works
- Up to £1 million buildings cover as standard
- This covers damage to the structure of your home, your outbuildings, garages, fixtures, and fittings
- Tailor your policy and add any extras you may need
- RELAX! you are covered
Policy benefits includes
- No charge if you need to cancel the policy
- Pay monthly by direct debit
- No policy or admin fees are charged on top of the policy premium
What Buildings Insurance Covers
This covers damage to the structure of your home, your outbuildings, garages, fixtures, and fittings as well as patios, drives, garden walls, fences, hedges, and gates.
Cover is provided as standard for:
- damage to your property caused by:
- escaping water from washing machines, dishwashers, and other appliances or heating systems which may cause damage to flooring, walls, fixtures, and fittings;
- fire, storm, flooding, theft, and vandalism;
- subsidence, heave, and landslip; and
- falling trees, branches, aerials, and impact by vehicles or aircraft;
- accidental breakage of drains and pipes which are used to provide services to or from your home;
- accidental breakage of glass, ceramic hobs, and sanitary-ware which are fixed to and form part of your home;
- alternative temporary accommodation if your home becomes uninhabitable as a result of damage caused to your buildings by an insured event;
- the cost of any damage caused to your property whilst tracing and gaining access to a leak in your home; and
- your legal liability to pay damages and costs to others arising from accidental death or injury to anyone, or accidental damage to physical property.
For details of what is not covered, please refer to the Policy Wording.What
Home Insurance FAQ
Yes, mobile phones and bikes can be covered under the add on Personal Belongings cover as they’re taken outside your home.
Bicycles have their own specific cover section, and need to be specified if they’re worth more than £1,000.
Unfortunately, any damage to your fences caused specifically by storms or flood will not be covered, but under our buildings insurance they are covered for certain other circumstances such as vandalism or fire.
Yes, you need to tell us about any item that is valued at over £2,500.
You can cover any individual item up to a value of £10,000 or several items collectively valued up to £15,000 (for cover away from the home) or up to £20,000 (for cover within the home).
It covers you for up to £1,000 to make your home safe and secure in the event of a domestic emergency. This includes problems with:
- Main Heating System & Hot Water (optional cover)
- Plumbing & Drainage
- Gas Supply
- Electricity Supply
- Water Supply Pipe
- Roofing
- Security
- Lost Keys
- Cooker/Oven
- Pest Infestation
If any of these emergencies occur which cause your home to become unsafe or cause a loss of these services, we will send an engineer to your home to complete a repair and prevent or limit any further damage. We will pay for call out charges, labour, and materials to get your home back to a safe state or restore the key services.
Home Emergency cover is not a maintenance policy and does not cover the cost of routine maintenance in your home, nor does it provide or cover the cost of boiler servicing or maintenance.
The standard excess amount payable on our Home policy is £100 on most Buildings & Contents claims. For claims relating to flood, it’s £250, for escape of water, it’s £350, and for claims for subsidence/heave/landslip it’s £1,000.
You can also choose to add a voluntary excess in addition to this. A higher total excess value makes your insurance cheaper, a lower value means you pay less towards a claim. The excesses for subsidence and flood claims are unaffected by your chosen voluntary excess and will remain at the stated level regardless.