Buildings Insurance UK

Please read our simple guide to UK buildings insurance. Get a buildings insurance quote now! buildings insurance UK

If you have a mortgage on your property most mortgage lenders will insist the property has buildings insurance. This can be achieved either through the mortgage lender, insurer or an independent UK Home Insurance Company.

What is covered?

Most buildings insurance covers the building structure, as well as permanent fixtures and fittings such as baths, toilets, fitted kitchens, bedrooms cupboards and interior decorations. As a rule of thumb, all items that won't be taken away when you move home are covered with buildings insurance. Often outbuildings such as garages, greenhouses and garden sheds may also be included. Get a buildings insurance quote now! buildings insurance UK

What does your buildings insurance protect you against?

Generally, most buildings insurance policies will cover damage to your home by fire, lightning, explosion, earthquake, theft, riot and malicious persons, storm and flood, aircraft or things falling from them. Subsidence, heave and landslip, falling trees or branches, impact by vehicles or animals, breakage or collapse or aerials, escape of water from tanks or pipes and escape of oil from fixed heating installations.

Each buildings insurance policy offered by individual home insurance companies will be different, therefore, always check your buildings insurance policy carefully to see what is covered and if you are unsure check with the home insurance company concerned. Get a buildings insurance quote now! buildings insurance

How much cover do I need?

Home Insurance Companies view cover level required as the sum insured. The sum insured is the amount of money for which your home is covered in the event of you making a claim on your buildings insurance policy. You should ensure you have enough buildings insurance cover to pay for the full cost of rebuilding your home, which may bear no relation to the actual worth of your home.

All Home Insurance Companies stipulate it is your responsibility to get the sum insured right. Many home insurance companies apply index linking to your buildings insurance policy at each renewal date. This means that the sum insured is altered automatically by the home insurance company whenever there is change in the rebuilding cost. Do not rely on this alone to keep your sum insured up to date. For help and advice in calculating the correct sum insured for your buildings insurance consider contacting your home insurance company or mortgage lender, or the Royal Institution of Chartered Surveyors.

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