Buildings insurance

Buildings insurance covers the structure of your home and permanent fixtures and fittings, such as sanitary ware and fitted kitchens. Buildings insurance policies may also cover outbuildings, such as garages and sheds and, depending on the terms of the individual policy, walls, fences and gates etc.

If your home is mortgaged, your mortgage lender will require that you have buildings insurance in place - however this does not mean that you must buy your buildings insurance from them. Instead, you are free to shop around and compare quotes in order to find a suitable policy at a competitive price. In fact, many insurance companies will offer a discount if you combine your buildings insurance and contents insurance together, so this can be a good way of saving money.