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Buildings insurance is a sort of home insurance that offers cover for your property's structure and its permanent fittings and fixtures, but not the contents.
A good policy should cover things like the ceiling, floors, walls, the roof, windows and doors, plus outdoor constructions such as fences and garages.
It should also cover things like fitted bathroom suites and kitchen units, plus drains, pipes, tanks and cables that you're responsible for from the mains supply to your property.
There is no legal requirement to insure your building. But it may be a good idea, or even essential, for some people.
If you're unsure whether you need buildings insurance, take a look at the below:
You should always check your policy's terms and conditions for full details of what's covered and for any exclusions. Typical cover and exclusions include:
If you need to claim on your home insurance - for example, if your building is damaged by subsidence or your possessions are stolen - your free home excess cover will refund up to £250 of your excess.
There’s no hidden charge. But you won't be covered for things like accidental loss such as leaving a laptop on a train or accidental damage, such as spilling wine on your carpet or drilling through a pipe.
^UK residents and home insurance purchases only. Excess refunded after claim settled. Excludes accidental loss or damage claims made on your home insurance. Full T&Cs apply.
Our customers pay £150 on average for buildings insurance.*
Your own premium might cost more or less than this. It's affected by a number of factors, including:
The number of bedrooms you have is a good indicator, so here’s how much your buildings insurance could cost depending on the number of bedrooms.**
Unless you’ve specifically added cover, home insurance doesn’t cover things like accidental damage to your property. If you accidentally drill a hole through a water pipe while putting up shelves, you may not be covered unless you’ve bought the extra protection.Ceri McMillan - Home insurance expert
If your policy doesn’t include cover for things like accidental damage or legal expenses as standard, you can usually add them on for a fee. Common optional extras include:
Buildings insurance covers the structure of your property and its fixtures and fittings. Contents insurance is cover for your possessions - things like your furniture, TV, jewellery and clothes.
You can purchase buildings and contents insurance separately, or together as a combined home insurance policy.
You won’t be covered for damage that occurs when your house has been left unoccupied for more than the period shown on your schedule. This is usually 30 to 60 consecutive days.
Most policies won’t cover damp and condensation, but it’s worth checking your policy details.
No, your landlord should have buildings insurance. But you might want to think about protecting your belongings with contents insurance.
Yes, you can get buildings insurance if your home is at risk of flooding.
Yes, most policies will cover your home for loss and damage due to subsidence, but it won’t be able to help with preventing further subsidence.
No, you don’t have to. The easiest way to find the right cover for you at a great price is by comparing multiple policies and providers.
That depends. If you’re a renter you don’t usually have to worry about buildings insurance as your landlord should have a policy. But you might need cover if you’re a leaseholder that doesn't have contact with their freeholder, or if it’s a condition of your mortgage.
No, your home insurance is unlikely to cover claims due to you extending or renovating your home.
You can usually find out when your home was built by checking:
No, you’ll usually be asked about outbuildings and garages separately.
You should still be able to get buildings cover for non-standard construction homes, but it might be more expensive. Insurers usually ask what your home is made out of, so you’ll be able to declare it then.
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As of August 2022, there are 66 active home insurers on the panel at GoCompare
Based on Trustpilot: Our average rating of 4.8 out of 5 is from 2389 people who left a review for home insurance comparison only. Last checked 05 August 2022.
Page last reviewed: 14 September 2022