Compare buildings insurance quotes
Buildings insurance is financial protection for the structure of your home
It’ll cover the cost of repairing or rebuilding the permanent bits of your home if they’re damaged, or destroyed, by an unexpected event like a fire or a flood.
The exact cover you can get varies, but it’s not uncommon to get cover for things like:
Buildings cover is often sold as a combined home insurance policy with contents insurance. This can be a cost-effective and more convenient choice. For instance, you’d only have to deal with one insurer if you needed to claim on both parts.
Legally, it’s not a must. But there are a few situations where you might have to have it, or decide you need it.
If you’re unsure, think about the rebuild cost of your home. If the worst happens, and your home was destroyed in a fire, could you afford to put another roof over your head without financial support?
Most lenders insist you have buildings insurance to get a mortgage. The same goes for if you ever decide to remortgage in the future – they’ll usually ask for proof before they’ll give you the loan.
If you own the your property outright, then it’s up to you whether you take out buildings cover or not.
If you’re leasing a property, such as a flat, the owner of the freehold should have insured the building already. If you own the freehold, or a share of it, you’ll need to organise your own cover.
You won't need buildings insurance if you rent, own an apartment that's part of a block of flats, or if you don't have a mortgage.
This generally includes water leakage from faulty appliances like your washing machine, frozen pipes and tanks, burst pipes that are old or corroded and disconnected pipes.
If your policy includes escape of water, it’ll probably have trace and access cover as well - which covers the cost of finding and repairing leaks.
Most policies provide some compensation for damage caused by falling trees and branches, aerials and satellite dishes. But you wouldn’t be covered if it was due to lopping or felling.
If your home’s damaged by a tree, your insurer might help cover the costs of removing it, so it doesn’t cause any problems in the future.
Structural damage that occurs due to high winds, torrential rain fall, lightning or earthquakes may be covered if you can prove your home has been maintained to a reasonable standard and that the damage didn’t occur due to wear and tear.
Most policies cover loss and damage caused by subsidence, but won’t cover the cost of preventing further subsidence.
You won’t be covered if the subsidence, heave or landslip is caused by riverbank or coastal erosion, water escaping from pipes or failure to disclose existing subsidence when the policy is purchased.
If your home has suffered from it in the past, you’ll probably need specialist cover.
This compensates you if your homes damaged due to a vehicle colliding with your home, or damage caused by an animal or aircraft, for example.
Our customers pay £129 on average for buildings insurance* but a number of factors – like where you live and the type of home you have – affect the actual price you pay.
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.**
*The average price paid for home insurance purchased annually in November 2021 by type of cover. For buildings and contents insurance, it was £175.79. For buildings insurance only, it was £129.62. For contents insurance only, it was £76.76.
**The average cost of buildings insurance per number of bedrooms when paid annually between October and December 2021
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.
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:
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 - GoCompare Home Insurance
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 can get cheaper buildings insurance by paying annually (it’s cheaper than monthly), by building your no claims discount and by shopping around to find the right cover for your needs.
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.
When you compare quotes with us, you’ll find a rebuild cost calculator within the set of questions. Alternatively, the Association of British Insurers (ABI) has a rebuild cost calculator you can use, or you can hire a Chartered Surveyor.
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.
Have a think about your budget, and consider whether you need any optional extras, like accidental damage or home emergency cover.
You won’t necessarily need to provide documents, but you will be asked for details about your home, such as when it was built, it’s rebuild value, how close it is to trees and sources of water, as well as what kind of locks it has. If you don’t know it, this kind of information can be found on a homebuyer’s survey or similar document.
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.
Based on Trustpilot: Our average rating of 4.8 out of 5 is from 1958 people who left a review for home insurance comparison only. Last checked 09 May 2022.
Page last reviewed: 17 March 2022