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What is Home Buildings Insurance?

Home Buildings Insurance protects the structure of your property — including walls, roof, foundations, windows, and permanent fixtures — against unexpected damage. Whether your home is mortgaged or owned outright, this cover ensures you’re not left footing the bill for costly repairs caused by events like fire, flood, or storm.

For homeowners, first-time buyers, and landlords, Buildings Insurance provides essential protection and peace of mind in the face of structural risks.

Who Needs Buildings Insurance?

If you own a home, Buildings Insurance is a must-have. It’s especially important for:

• Homeowners – Whether it's your main residence or a second property.
• First-Time Buyers – Protect your investment from the very beginning.
• Mortgage Holders – Often required by lenders as a condition of your mortgage.
• Landlords – Cover for let properties to protect against damage from tenants or the elements.
• High-Value Property Owners – Ensure your home's rebuild cost is fully covered.

Why is Buildings Insurance Important?

Damage to your home’s structure can be financially devastating. Without the right cover, you’d be responsible for repair or even full rebuild costs. Buildings Insurance protects against major risks like fire, storms, flood, and subsidence.

Common risks Buildings Insurance protects against include:

• Fire and Smoke Damage – Covers repairs or total rebuilds if necessary.
• Flooding and Storms – Protection against weather-related structural damage.
• Subsidence or Heave – Covers ground movement that affects your home’s stability.
• Vandalism or Impact – Damage from vehicles, trees, or criminal activity.

What’s Typically Covered?

A standard Buildings Insurance policy may include:

• Permanent Structures – Walls, roof, floors, ceilings, and internal fittings like kitchens and bathrooms.
• Outbuildings – Garages, sheds, and greenhouses, if specified.
• Pipes and Drains – Underground drainage and water pipes you’re legally responsible for.
• Alternative Accommodation – If your home becomes uninhabitable due to an insured event.
• Accidental Damage (optional) – For unintentional incidents, such as drilling through a pipe.

What’s Not Covered?

• Wear and tear or general maintenance issues.
• Damage caused by neglect or poor upkeep.
• Unoccupied homes unless declared and properly covered.
• Deliberate damage or fraudulent claims.

Optional Extras Worth Considering

Depending on your situation, you may wish to add extra protection:

• Accidental Damage Cover – For mishaps like broken tiles or burst pipes.
• Home Emergency Cover – 24/7 help for urgent problems like boiler failures or leaks.
• Family Legal Protection – Covers legal fees for disputes involving your home.

At Insurably, we compare quotes from trusted UK insurers to help you find quality buildings insurance that suits your property and budget.

Start your quote online today and keep your cover as solid as your brick walls.