A street view of the first floor windows of a period terrace street

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.

  • Unlimited1 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 impact of coronavirus on home insurance

During these unprecedented times, we’re continuing to offer home insurance to help support and protect people in a time of need. If you have a policy with us, or if you’re not sure what our home insurance covers, take a look at our FAQs.

What is buildings insurance?

Buildings insurance helps cover the cost of rebuilding your home or repairing damage to its structure if it’s damaged or destroyed by an unexpected event. It also covers damage to the fixtures and fittings in your home.

Your buildings insurance will normally cover your home against damage caused by

  • Vandalism
  • Subsidence
  • Fire, smoke and explosions
  • Water from leaking pipes
  • Flooding from external causes
  • Falling trees
  • Vehicle collisions into your property
  • Storms

What's the cost of buildings insurance?

A number of things can affect the cost of your buildings insurance, for example your postcode, type of property, number of bedrooms and previous claims.

Do I need buildings insurance?

You’ll need to take out buildings insurance if

  • Your home is mortgaged – it’ll usually be a condition of the mortgage
  • You live in a flat and own the freehold – this could be individually or jointly with other tenants in the block. If you only own the leasehold, it’s usually the landlord’s responsibility
  • You’re a landlord renting out a property that you own

If you’re renting, you won’t need buildings insurance, though you may want to consider taking out contents insurance.

What does buildings insurance cover?

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 two claims in five 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 building 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 [PDF, 642KB].

Why choose us for your buildings insurance?

Rated by our customers

Last updated on 18 January 2021. Based on 1,383 reviews comprising 920 renewals, 287 new customers and 176 claims.

See all reviews [PDF, 2.4MB]

Only pay for what you need

You choose what cover to include so you only pay for what you need – and nothing that you don’t. And if your needs change, you can make changes your cover without any admin fees.

Defaqto, expert rated Home Insurance, for 2018.

Pay monthly for no extra cost

Spread your payments over 12 months without paying a penny extra.

Consumer intelligence, customer service and consumer trust award, for 2018. Voted by householders.

You’re in safe hands

Our UK-based claims team is available all day, every day. In 2019, we paid 97% of claims submitted2

Other buildings options

Your guide to buildings insurance

A general guide to insuring the bricks and mortar of your home

Already insured with us?

Already got a quote?

See or amend your quote or buy your policy.


Manage your policy online

It’s quick and easy to do both of these online. If you’d prefer to speak to someone about a claim, our UK-based claims team is available all day, every day.

More reasons to insure with us

  • Get more in your wallet with Barclays Blue Rewards3
  • Switch to us and we’ll refund your cancellation fees4

Any questions?

Contact us

0800 015 0246 5

Monday to Friday, 8am to 10pm
Saturday, 8am to 6pm
Sunday and bank holidays, 10am to 4pm