Home Buildings
Insurance
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 This?
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 it 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.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Buildings Insurance policies typically include:
- Structural Damage – Covers walls, roof, floors, and windows against fire, storm, and flood.
- Permanent Fixtures – Protection for fitted kitchens, bathrooms, and built-in wardrobes.
- Subsidence – Cover for damage caused by ground movement (subject to excess).
- Underground Pipes – Protection for drains, pipes, and cables you are responsible for.
- Alternative Accommodation – Covers the cost of staying elsewhere if your home is uninhabitable.
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.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Home Buildings cover you for?
Understanding what home insurance cover you actually need can be confusing—especially with so many options available. Insurably® focuses on clear, honest guidance to help you choose the right level of protection for your situation, without the pressure of a hard sell.
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