Cover for your home
- Up to £1 million buildings cover
- Cover loss or damage to your buildings caused by certain events. Such as fire, storm, flood, theft, escape of water, malicious damage and vandalism.
- Alternative accommodation
- Can't live in your home because of damage that's covered by your policy? We'll provide up to £200,000 for alternative accommodation for you, your family and your pets.
- Up to £1 million trace and access cover
- We'll cover the cost of finding where water is leaking from. We'll also cover the cost of repairs to walls, floors or ceilings.
- Accidental breakage
- Cover for loss or damage caused by accidental breakage of glass, ceramic hobs and sanitary ware.
What is buildings insurance?
Buildings insurance protects you against the cost of repairing or rebuilding your home if it's damaged or destroyed.
It covers the structure of your home (the roof, walls and windows). It also covers any permanent fixtures and fittings, such as fitted kitchen units and bathroom suites.
What does buildings insurance cover?
What’s covered | Limits |
---|---|
Buildings sum insured | £1 million |
Accidental damage | Optional |
Property owner liability | £2 million |
Theft of keys | £1,000 |
Loss of keys | £1,000 |
Alternative accommodation | £200,000 |
Trace and access | Up to £1 million |
Unoccupancy period | 60 days |
What’s not covered?
- Any loss or damage caused by anything that happens gradually, including wear and tear
- Loss or damage caused by a weather event that does not meet the definition of storm in the policy wording
- The amount of excess shown in your Statement of Insurance
Terms and exclusions apply. Check the Home Insurance Policy Wording for all the info.
View Home Insurance Policy Wording Link opens in a new windowHelpful info
The following docs explain the main features of our policies:
Tailor your buildings insurance
Build a policy that suits your needs with additional extras. They will add to the cost of your policy but also adds extra peace of mind.
Extra cover options | Limits |
---|---|
Buildings accidental damage | Up to £1 million |
Home emergency | £1,500 per claim |
Legal expenses | £150,000 per year |
This protects against sudden, unintentional, and unforeseen incidents. Such as smashing a window with a football or hammering a nail into a pipe.
Examples of what's not covered:
- damage caused by a storm to fences, gates and hedges
- damage caused by faulty workmanship, design or materials
Be prepared for unexpected home emergency repairs with this optional cover.
Our 24/7 emergency cover protects you with up to £1,500 in costs (inc VAT), with no excess. It's for those unexpected events like a boiler breakdown, a blocked drain or a burst pipe.
Examples of what’s not covered:
- blocked toilets or drains where the cause is a result of misuse or the internal workings of the flush
- boilers that are over 15 years old
This provides you and your family up to £150,000 to cover a range of legal help and support. It protects you against the costs of being sued or having to make a claim against someone else for things like:
- employment disputes
- personal injury
- property issues
Examples of what’s not covered:
- incidents that started before the policy
- claims relating to anyone you live with, or have lived with previously
Ready to get a quote?
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