Buildings insurance

Our buildings insurance covers your home against all the major risks such as fire, storm, flood and subsidence. It also covers other causes of damage from theft or vandalism and damage to your property caused by vehicle collision.

Buildings insurance covers not only the main building and its outbuildings, but also things such as walls, paths, pipes and fixtures such as the bathroom suite and fitted kitchens.

This policy provides cover up to a limit of £500,000 to repair or rebuild the property in the event of a claim. If this limit is not suitable, or if you have over five bedrooms, please call us for a quote on 0800 027 7161. We may record and monitor calls.

What’s covered by our buildings insurance?

We are proud of our great customer service and the value our cover offers. Here are the main things that are included as standard with our buildings insurance. For full details please read the Home Insurance policy (PDF 384KB) and Home Insurance policy key features (PDF 100KB) document.

Buildings insurance - what's included	Covered?	Limit
Loss / damage from fire, storms, floods, falling trees, theft, attempted theft, malicious acts or vandalism
Subsidence, heave or landslip
Home emergency cover - for call out charges, labour and parts for certain emergency repairs for example burst pipes or blocked toilet		Up to £150
Escape of water and leakage of oil
Accidental breakage of fixed glass and sanitaryware
Accidental damage to underground pipes or cables serving your home
Cost of alternative accommodation should you need to move out of your home temporarily as a result of an insured event		Up to £50,000
Trace and access cover – covers the cost of tracing the source of leaked water or oil and repairing damage caused during the investigations		Up to £5,000
Domestic emergency helpline - a 24 hour helpline if, for example, a pipe bursts or a drain blocks. We'll find you a suitable local tradesperson
Legal helpline – for expert advice on all kinds of domestic legal problems, you can call our 24 hour helpline

What isn’t covered by our buildings insurance?

• the first £50 of each claim (or, in the case of subsidence, heave or landslip, the first £1,000)
• storm or flood damage to fences, gates and hedges
• routine maintenance or wear and tear
• if your home has been empty for more than 40 days, we won’t cover loss or damage from malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware, frost damage to any washing machine, dishwasher or plumbed in domestic water or heating installation

For a full list of what is and isn’t covered and details of cover limits please refer to the Home Insurance policy (PDF 384KB) document.