BUILDINGS INSURANCE.

Protect your property with Halifax Buildings Insurance

Our buildings insurance protects your private residence and its attached structures against risks, such as fire, flood and storm damage, subsidence and vandalism.


Get a Buildings Insurance quote online

Our buildings insurance covers your roof and its permanent fixtures in your home, such as kitchen and bathroom fittings.

We’ve made it easy for you to buy great value home insurance. Compare our two levels of cover side by side when you get a quote.

Get a quote

Buildings Insurance - Couple moving into a new house

Halifax Home Insurance and Halifax Home Insurance Ultimate are underwritten by Lloyds Bank General Insurance Limited. 


Why get Buildings Insurance?

Buildings insurance covers the cost of repairs or rebuilding needed after flood, fire, storm or any other insured damage. 

Our buildings insurance can be tailored to cover a variety of events such as accidentally breaking a sink in your bathroom or kicking a football through your window. 

It can also cover fixtures such as fitted kitchens and some fitted bedroom units but it won’t insure what’s inside.


Why choose us?

When it comes to Buildings Insurance we make the process of applying, setting up and claiming as easy as possible for you.

  • Easy to contact - All our call centres and claims advisers are based in the UK
  • 24/7 Emergency Helpline - We're available 24/7 should an emergency occur and you need to find an electrician or plumber in the middle of the night
  • Extra support when you need it - If your claim is complex and we feel you need extra support, we'll send a Personal Claims Consultant to help you face to face.

What we cover

Halifax Buildings Insurance offers you a range of reassuring benefits as standard, including:

  • Alternative accommodation - for your family and domestic pets if you can’t live in your home because of an insured event
  • Accidental damage to underground services - such as underground pipes or drains belonging to you
  • Property owner's liability - in case of claims made against you by visitors who get injured following an accident at your home.

Find out more about products and services

Limits, terms and exclusions apply, see our policy documents for full details.

Cover description

Home Insurance Limit

Home Insurance Ultimate Limit

Private residence cover

Up to £500,000* (included)

Unlimited** (Included)

Outbuildings cover

Up to £500,000* (optional)

Unlimited** (Included)

Accidental damage cover

Up to £500,000* (optional)

Unlimited** (Included)

Replacement of sets cover

Not available

Unlimited** (Included)

Get a quote

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Private residence cover


Home Insurance Limit

Up to £500,000* (included)

Home Insurance Ultimate Limit

Unlimited** (Included)

Outbuildings cover


Home Insurance Limit

Up to £500,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (Included)

Accidental damage cover


Home Insurance Limit

Up to £500,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (Included)

Replacement of sets cover


Home Insurance Limit

Not available

Home Insurance Ultimate Limit

Unlimited** (Included)


Home Insurance Limit

Home Insurance Ultimate Limit


Choosing the right level of Buildings Insurance cover

We offer two levels of Contents Insurance cover for you to choose from:

  • Halifax Home Insurance - a tailored flexible offering that allows you to choose from a range of additional cover options
  • Halifax Home Insurance Ultimate - a more inclusive offering where additional cover, with higher limits in key cover areas is included as standard.

*Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £1,000,000 for Buildings. There are elements of cover which are subject to lower limits.

**There are elements of cover which are subject to lower limits.

Limits, terms and exclusions apply, see our policy documents for full details.


Get a Buildings Insurance quote over the phone

If you would prefer to get a Buildings Insurance quote over the phone, we're here to help.  We’ll answer any questions you may have about our products and services to help you choose the right level of cover to protect your home and possessions.

Call us on 0800 085 6844

Lines are open Mon to Fri 8am - 8pm and Sat 8am - 4pm. (Times may vary on public holidays).


Calls will be recorded and may be monitored for training and/or quality purposes.

Building and Contents Insurance - Father and son baking

Need both Buildings and Contents Insurance?

If you’re looking for both Buildings and Contents Insurance we’ve got you covered.  Our combined policy covers your private residence and its attached structures, plus their contents, all under one insurance policy.

Get a Buildings and Contents Insurance quote

Contents Insurance - Couple with boxes of their home contents

Need Contents Insurance?

Contents Insurance covers your personal belongings.  Our Home Insurance product will cover your personal belongings for a minimum of £10,000 worth of high risk items as standard. We'll also cover your personal belongings away from the home up to £15,000.

 If you need a higher level of cover you could opt for our Home Insurance Ultimate which offers higher limits.

Get a Contents Insurance quote

Find out more about Contents Insurance


Important information

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.