Protecting Your Home from Life's Unexpected Events.
Buildings Insurance is designed to help cover the cost of repairing or rebuilding your property if it's damaged by certain insured events, subject to the policy's terms, conditions and exclusions.
What Can Buildings Insurance Cover?
Depending on the insurer and policy chosen, cover may include damage caused by:
- Fire, storm damage and flooding.
- Escape of water and, where included, subsidence, heave and landslip.
- Theft or attempted theft causing damage, and vandalism.
- Falling trees or branches, and impact by vehicles or aircraft.
Most mortgage lenders require Buildings Insurance to be in place from the date you become legally responsible for the property, usually exchange of contracts in England and Wales.
Frequently Asked Questions
No, but if you have a mortgage your lender will usually require Buildings Insurance as a condition of the mortgage offer.
Buildings Insurance covers the structure of your property and permanent fixtures and fittings. Contents Insurance covers your personal belongings. Many homeowners arrange both. Learn more →
Cover should usually reflect the cost of rebuilding your home, not its market value. We'll help you understand the information required when arranging your insurance.