buildings-icon Buildings insurance

Insure the bricks, mortar, fixtures and fittings of your main home. 
 
Remember you don't need buildings insurance if you're renting.
 
On this page you can see:

What does buildings insurance cover?

With Pick and Protect buildings insurance we’ll cover:
 
  • damage caused by extreme weather (like storms, lightning, falling trees, floods), fire, and subsidence 
  • unlimited rebuild or repair costs for houses with five bedrooms or fewer
  • permanent fixtures in your home, as well as any outbuildings, boundary walls, gates, pools, drives and paths on your property
  • theft and vandalism
  • replacement locks if keys are lost or stolen
  • emergency access to your home in a medical emergency or in order to prevent damage to your home
  • loss of rent and the cost of alternative accommodation up to £100,000
  • tracing and accessing leaks up to £5,000
  • undamaged matching items such as a fixed bathroom suite, fitted furniture or tiles where one of the items is damaged, up to £10,000
  • your liability to the public as owner of your home up to £2 million
  • damage to your home between exchange and completion if you’re selling it
 
Terms, conditions and policy exclusions apply.
 
 
 
 
 

What the main exclusions are from buildings insurance

You won’t be able to claim for:
  • damage caused by wear and tear, or any damage that happens gradually
  • accidental damage. You can tailor your policy by adding our Buildings Accidental Damage cover when you get a quote
  • damage caused by wet or dry rot
  • loss or damage that happens when your home is unoccupied for longer than agreed
  • liability as occupier of your home which covers thing like tiles falling from your roof and damaging someone’s car. This can be insured under contents cover
  • failure or damage to external locks, doors and windows. This can be insured under home emergency cover
  • damage to cables or underground pipes due to a fault or limit of design, manufacture, construction, or installation
  • damage caused by pets
You can see the full list of exclusions in the Policy Document.
 
 
 
 

Buildings insurance enhancements

When you take out your buildings insurance you can extend your cover to include:
  • Buildings Accidental Damage cover - insures your property against accidents for example, damage to doors or your kitchen hob
  • Buildings Protected No-Claims Discount – make two claims within a 5 year period without losing your no-claims discount and without affecting your policy price when you renew

How to save on your buildings insurance policy

Get £10 off your policy when you take out buildings and contents insurance together. Plus £5 off any other cover you take out. T&Cs apply. 

You can add the following when you apply:
  • contents insurance so the things in your home, garage or shed are covered 
  • personal items insurance so things like your jewellery, watches, clothes, bags, musical instruments and books are covered anywhere in the world not just within your home
  • gadget, bike and sports equipment insurance so you’re insured against accidental loss, damage or theft of these items anywhere in the world not just within your home

How do I get a buildings and contents insurance quote?

You could save money if you take out buildings and contents insurance together versus buying them separately. 
 
See our home insurance page to get a combined buildings and contents quote.
 

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Get a quote

It's important that you know what this insurance does and doesn't include. You'll find more details here.

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0345 030 8785

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Monday to Friday 8am - 10pm

Saturday 8am - 6pm

Sunday 10am - 4pm

Bank Holidays 10am - 4pm

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Quote references beginning with QTE

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