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What is buildings insurance?

Buildings insurance helps with the cost of repairing or replacing the physical structure of your property. It covers the building itself, as well as any permanent fixtures and fittings. With building insurance, you’ll have support if accidents like fire, storms, or floods damage your home. Meaning you are not left to deal with the cost of rebuilding your home alone. Buildings insurance can be combined with contents insurance under a single home insurance policy. In this case, your personal possessions within the home will be covered too.  

Why is buildings insurance important?

Your home not only offers shelter and security, but it’s likely that your property also accounts for a large portion of your personal wealth. So going uninsured could put you at serious financial and personal risk. While home building insurance is not legally mandatory in the UK, a mortgage lender will typically insist on home insurance. This will apply to private or commercial buildings as it protects the security for their loan to you. 

What does buildings insurance in the UK cover?

UK buildings insurance providers will often offer the same core coverage, as well as options for add-ons and specialist coverage. However, each will have its own detailed limits and exclusions, so always check the specifics of the policy before you commit.   

Basic buildings insurance cover

Buildings insurance protects your home or property. It provides cover for the cost of rebuilding or repairing your property if it is damaged or destroyed by situations like: 

  • Floods 
  • Storms 
  • Fire 
  • Burglary 
  • Fallen trees 
  • Subsidence 
  • Burst pipes 
  • Damage from vehicles 

Buildings cover protects the property’s physical structure and fixtures. This typically includes walls, roofs, drainage and sewage pipes, fitted kitchens and wardrobes, and garages or sheds. 

Additional cover for buildings insurance

It is important to understand what is and is not covered by your building insurance policy. Different providers have different exclusions.  

This is where additional coverage can be useful to fill in the gaps. You can take out additional covers either as stand-alone policies or as add-ons to your main home insurance, including: 

Common exclusions in a buildings insurance policy

When getting a buildings insurance quote, you will need to provide the rebuild cost of your home. This is the amount it would cost to completely rebuild the property.  

This acts as a limit on how much your insurer will pay out if your home is completely destroyed. Which is why it is so important to give an accurate number.  

Other limits and exclusions on home buildings insurance can include: 

  • Any furniture, valuables, or personal possessions in the home. These are covered by home contents insurance. 
  • General wear and tear of the property. 
  • Deliberate damage or damage caused by pets. 
  • Damage that results from dodgy DIY or poor workmanship. 
  • Infestations from pests. 
  • Frost damage to external brickwork or pipes.  
  • Homes left unoccupied for longer than the limits outlined in the policy details. 
  • Claims made after the policy has been invalidated.  

How much is home buildings insurance in the UK?

With the average cost of home insurance in England up 35% in the past year to £185.88 annually, everyone is looking for cheap home insurance quotes. But it is important to keep in mind that the cheapest is not always the best. Aim to strike a good balance between a high level of cover that gives you peace of mind, and a policy that fits your budget. 

Factors that affect buildings insurance costs

The cost of buildings insurance is determined by a variety of factors. When you get buildings insurance quotes with Quotezone, we will consider the circumstances and needs of your home and give quotes based on:   

  • The type of property. For example, a detached house or a flat. 
  • The size and rebuild cost of the building. 
  • Where the property is located. 

  • Security features like locks or alarms.  
  • Your personal claims history.  

Tips for getting cheap buildings insurance quotes

There are several things you can do to help find a cheaper buildings insurance quote. If you are shopping for building only insurance, you are already off to a great start by getting only the cover you need. Extra coverage and add-ons come at extra costs, so avoiding unnecessary cover is key. Other tips include: 

Tailor any excesses. The higher the excess you choose, the cheaper your premiums will typically be. Just be aware that insurers can have ‘compulsory excess’ in addition to voluntary excess. 

Practice good home maintenance to avoid unnecessary quotes and build your no claims discount. This can involve simply checking the roof and walls for damage, getting your boiler serviced, or trimming trees and shrubs. 

Pay annually rather than monthly. Monthly payments usually come with additional costs. So, paying annually can be cheaper overall.  

Avoid letting your existing building insurance auto-renew. Although this is convenient, it can also be costly. You can miss out on potentially cheaper deals for the same level of cover.  

One of the simplest ways to find cheap buildings insurance is to compare a wide range of quotes from an extensive list of insurers. It could increase your odds of finding the cheapest buildings insurance.  

Get the best house and buildings insurance policy for your needs

Block of flats buildings insurance

Combined buildings and contents insurance

Landlords insurance

Commercial property buildings insurance

Second home buildings insurance 

Buildings insurance for non-standard properties  

How to get buildings insurance quotes

The application process

This is quick and easy. Simply complete our quote form, providing a few essential details about your property and coverage needs, and receive instant quotes. 

These will be listed with your cheapest option first, so you can review each policy’s details and click through to get the quote directly from the insurer. 

Information and documents you’ll need

You’ll need some basic details about your property, including the address, type, and value of your home. 

You’ll also need to specify what coverage you want, including the rebuild value of your home. This can be outlined on your mortgage documents. 

Details like your age, ownership, and claims history are also needed to assess your personal level of risk. 

Comparing buildings insurance with Quotezone

Comparing with Quotezone allows you to get a variety of buildings insurance quotes that are tailored to your needs. We make the process simple and fast and pride ourselves on being unbiased, secure, and transparent. 

Buildings insurance FAQs

Does buildings insurance cover roof repairs in the UK?

Yes. With buildings insurance, you’ll be covered for roof damage or leaks caused by events like storms, falling trees or fires. However, it does not cover damage from lack of maintenance or general wear and tear. It is the owner’s responsibility to maintain their roof and keep it in good order.  

Does building insurance cover water supply pipes?

This will depend on whether you have any legal responsibility for the water supply pipe. Although these pipes can supply multiple homes, they can pass through land you own, or your neighbour’s land. Your building insurance only tends to cover water pipes that you have a legal responsibility for. 

What will invalidate your buildings insurance policy?

Buildings insurance can be invalidated in a number of ways. Some of these are more obvious, like misrepresenting details about yourself, or your home. Others can be accidental if you are not fully aware of the terms of your policy. Get the full details on what invalidates home insurance here.  

Who are the best buildings insurance providers?

The best building insurance provider for your home will be different based on your individual needs and budget. Some insurers specialise in particular levels of cover, or insuring certain homes, so can offer them better building insurance deals. This is why it’s so important to shop around before you buy. 

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What people have to say about us

Really helpful and saved me a fortune on my house insurance

Elaine

Newcastle upon Tyne, United Kingdom

My home insurance had double in one year. I had been with this insurance company for over 20 years, and never claimed. Yet I was given no good reason for the increase, but that the cost of things were going up. I managed to get a better cover for a lot less then 50% of my new quote.

Parveez

United Kingdom

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4.75/5 from 24 customer reviews

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