Buildings insurance

What’s covered

• Unlimited rebuild and repair costs for structural damage caused by extreme weather, fire or subsidence to your home and permanent fixtures, outbuildings, boundary walls, drives, paths, pools and gates
• Matching items up to £10,000, to replace a damaged part of a set, like your bathroom tiles
• Alternative accommodation up to £100,000 if you’re unable to live in your home after a flood, fire or other emergency
• Adjustable excess to suit you

Available for extra fees

• Buildings accidental damage – over half of claims enquiries relate to accidental damage, a quarter of which are for buildings. It covers things like broken windows, cracked basins and damaged pipes
• Protected no-claim discount allows 2 claims in 5 years without losing your no-claim discount, and your premium won’t be affected as a direct result of a claim

What’s not covered

• Accidental damage isn’t standard but you can choose to include it with your buildings insurance
• Damage caused by wet or dry rot
• Gates, fences or hedges blown down in a storm

It’s important you understand exactly what is and isn’t covered by buildings insurance. The examples we’ve shown above are only intended as a guide – full details are in the policy document.

Interested?

• Get a buildings quote