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Buildings insurance covers the cost to repair damage to or rebuild the structure of your home. This includes its windows, walls roof, outbuildings, and fitted kitchens and bathrooms. It provides cover for damage caused by events like fires, storms and floods.
Buildings insurance does not cover the items inside your house, like furniture, carpets, clothes, electronics and personal items. You'll need contents insurance to insure these. Limits, terms and exclusions apply to all buildings insurance. Check yours to find out what is and isn't covered.
When you get buildings insurance, you insure the structure of your home against damage from an insured event. You’ll also be insuring the property for the full cost of rebuilding it from the ground up.
Buildings insurance works in two main ways:
When something goes wrong, contact your insurer as soon as possible. Some insurers give you up to 180 days to make a claim, but the sooner you get it sorted the better.
To make your claim, you may need to:
If your claim is accepted, your insurer will pay the costs of repairing the damage, replacing items or rebuilding the property. The amount they pay will depend on your excess and policy limits. Don't start work or pay any tradespeople for repairs until you've spoken to your insurer.
Buildings insurance covers the cost to repair damage to the structure of your home. It covers fixtures and fittings, walls, windows, doors and the roof.
Buildings insurance usually includes:
There are some things that your buildings insurance will not cover. These include:
If you have a mortgage, you will need buildings insurance. Mortgage providers require you to have buildings insurance that covers the total value of your mortgage.
If you are a renter, you won’t need to buy buildings insurance. Instead, your landlord should arrange cover for your home. You can protect against the cost of damage to the things you own with renters or contents insurance.
Yes. Buildings insurance policies will cover subsidence. Check your policy documents for full details on what you are covered for.
Yes. If you buy a new build property you will still need buildings insurance. This will cover your new home if it is damaged or destroyed by things like fire, floods or storms.
Yes. If you have a conservatory it will be covered by your buildings insurance. If you plan to build a new conservatory, you will need to let your insurer know to make sure you are covered.