Building insurance

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How to get the right buildings insurance

To find the right buildings cover for your home:

  • Work out how much cover you need

  • Think about whether you need a non standard policy

  • Look for the right policy at the best price

Work out how much cover you need

Most insurance companies offer a set claims limit between £500,000 and unlimited.

Find a limit that matches your rebuild value, but avoid paying for more cover than you need.

Find out how to work out the rebuild value of your home here

Your cover should be at least equal to the rebuild value of your home. This is how much it would cost to rebuild your home and is not the same as the market value.

Think about a specialist policy

Some properties need more cover than others, so you may need a specific policy if you live in:

  • A thatched home, be

    cause thatched roofs are more prone to fire, and can be expensive to repair.

  • A property with a flat roof, because they can be more susceptible to damage and give better access to thieves.

  • A listed property, because they are often hundreds of years old, and can cost more to repair and restore than standard homes.

  • A high net worth property, because they usually have high rebuild values, and some policies only cover homes with up to six bedrooms. This comparison shows how many bedrooms each insurer can cover.

Here is how to find home insurance if you have a non standard home

Do you need buildings cover?

If your home is damaged or destroyed by fire or flood the repair costs to put it right could be huge.

You can buy buildings insurance on its own, or as part of a combined home insurance policy with contents cover.

Here is everything that buildings insurance covers

Having the right buildings insurance policy in place can cover the costs for you, even if your home needs to be rebuilt from scratch.

Building insurance FAQs

Last updated: 13 October, 2021

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Why compare home insurance with

By comparing home insurance, you could save money on the policy. The best value Home insurance will offer the cover to your home and content. Choose a cover plan from the best UK home insurance companies and see the online discounts they offer.

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