Home (buildings) insurance
- Recurring
The short answer
Buildings cover for owner-occupiers
- Price from
- £150.00
- Time on site
- 30 to 60 minutes
What you get
You will receive a tailored buildings insurance quote and policy details from a regulated UK insurance broker.
When do you need a Home (buildings) insurance?
You must have cover ready for specific life events to stay safe.
- Buy cover when you exchange contracts on a home
- Keep a policy active to satisfy mortgage conditions
- Renew every year to avoid gaps in protection
- Arrange cover for new builds from completion day
- Update your broker if you extend your home
What happens on the day
Your broker will ask questions to find the right deal for you.
- Provide the rebuild cost of your home
- State the year of construction and materials used
- Confirm how many bedrooms and bathrooms you have
- Choose a voluntary excess to lower your premium
- Disclose any previous claims you have made
How to prepare
- Find your property rebuild cost figure
- Check the age of your roof
- List any high value luxury items
- Note the types of door locks
- Confirm your exact move in date
- Gather details of past insurance claims
- Identify the main wall building materials
- Check if your home is listed
How to improve your result
- Install approved high security door locks
- Add smoke alarms to every floor
- Join a local Neighbourhood Watch scheme
- Fit a leak detection water device
- Increase your voluntary excess amount
- Pay annually to avoid interest charges
Why it is useful day to day
Having the right policy brings huge peace of mind for your family.
- Protect your biggest financial asset from disasters
- Get help with alternative accommodation if needed
- Cover the cost of repairs from burst pipes
- Enjoy lower rates by comparing different brokers
- Save money by bundling buildings and contents
Why we ask these questions
Brokers look at risks to calculate your yearly price fairly.
- They check if you are in a flood zone
- They ask about security locks on your doors
- They look for a history of ground movement
- They check if the home is listed or historic
Frequently asked questions
Often needed alongside
- Recurring
Landlord insurance
Buildings, contents and liability for let property
- Recurring
Home emergency cover
Call-out cover for plumbing, heating, electrics
- Recurring
Boiler & appliance cover
Breakdown cover for boiler and appliances
- Recurring
Contents insurance
Cover for belongings
- Recurring
Mortgage protection & life cover
Life, critical illness and income protection linked to the mortgage
- Recurring
Commercial property insurance
Offices, shops, industrial units
- Recurring
Block & leasehold insurance
Buildings cover for blocks of flats
- Recurring
Rent guarantee insurance
Covers lost rent if tenants don't pay