Buildings insurance

Our buildings cover protects your most valuable assets from damage caused by extreme weather, fire and subsidence. You can also add cover enhancements for extra protection against accidents and claims.

Unlimited rebuild and repair costs for emergencies like burst pipes, floods and storm damage
We’ll replace matching items if one of a set is damaged, like your bathroom tiles
Buy cover enhancements for extra protection if you need it

The finer details

Your home is probably the most valuable thing you own, so make sure it’s covered no matter what life throws at you.

What’s covered

Unlimited rebuild and repair costs¹ 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.