Buildings cover
If you are looking for buildings cover then look no further than HomeProtect. We provide buildings cover up to £500,000 as standard for the cost of rebuilding your home and any outbuildings with our home insurance policy.
What's covered - Buildings insurance
| Buildings insurance | Cover value |
|---|---|
| Loss or damage to the structure of your property, drive, patios, terraces, outbuildings, garages, sheds, permanent fixtures (e.g. kitchen, bathroom, fitted wardrobes) caused by fire, theft, subsidence, storm or flood, escape of water or riots/malicious acts | Up to £500,000 as standard |
| Increased metered water charges | Up to £750 |
| Loss of rent and costs of alternative accommodation | Up to £50,000 |
| Public liability cover | Up to £2,000,000 |
| Accidental damage cover for windows, double glazing, sanitary ware, ceramic hobs, domestic oil pipes, underground water-supply pipes, sewers, drains, septic tanks, gas pipes and cables | Included as standard (in most cases) |
| Additional accidental damage cover is available to protect you if you inadvertently cause damage to the property (e.g. a DIY disaster). | Optional extra |
Covering you against losses from the main insurance perils
Our buildings insurance covers your home against losses from fire, storm, flood, vandalism, burglary, vehicle collision and subsidence.
Buildings insurance covers not only the main building but also things such as interior decorations, fixtures and fittings, garages, domestic outbuildings, drives, patios, gates, fences, walls, swimming pools and tennis courts within the boundary of the property.
Cover up to £500,000 as standard
Normally a HomeProtect buildings insurance policy provides up to £500,000 for your buildings (although more is available if your property needs it). This means that as long as the cost of rebuilding your home would be below £500,000, your home will be adequately covered. Many home insurance providers require you to work out the exact cost of rebuilding your home. This can be a lot of hassle to work out (although the BCIS website is a very useful resource), and if you do underestimate the rebuild cost, you may end up having an insurance claim proportionately reduced.
No Claims Discount available
A HomeProtect buildings insurance policy can be reduced in price by up to 25% through a no claims discount.
For a full list of what is and isn't covered and details of cover limits please refer to the HomeProtect policy documents.
Great value home insurance
Want to find out more about our home insurance? Browse through the links below, or get an immediate online quote.
Additional cover options
Valuable additional cover options with no limit to the number of claims you can make and no impact on your No Claims Bonus with us.
Home insurance for all
At HomeProtect we aim to provide immediate online cover, irrespective of your personal circumstances and the type, condition and use of the property you want to insure. Find out more from the links below.
Policy documents
Want the technical detail? Read the policy documents
Before you buy our home insurance you'll need to read the following documents which set out the the terms and conditions your policy will be bound by. They tell you details of what's covered and what's not covered by our home insurance as well as the terms and conditions that apply.
Contents insurance
Contents insurance to protect your possessions
Contents insurance protects the things you own. If you had a burglary and things were taken or you suffered a fire or flood, your contents insurance would pay to help you replace your lost or damaged belongings. HomeProtect can provide the contents insurance you need to cover your possessions.
Accidental damage
Cover your property and possessions against life's little mishaps
Accidental damage cover can provide you with additional cover for the things that may not be covered in your home insurance policy, such as DIY disasters!
Personal possessions
Helping protect you when you're out and about
Home contents insurance covers things that you usually keep at home. It doesn't cover things away from home if they're lost, damaged or stolen such as cameras, jewellery and wallets. To insure against these kind of things, you'd need to add Personal Possessions cover. It's there to help when you're out and about.
Additional cover
A wide range of options to turbo boost your policy
To give you maximum flexibility we have a range of valuable cover options, such as Legal Expenses and Home Emergency cover, which can be added to your policy at your discretion. With all our optional extras there is no limit to the number of claims you can make (with no impact on your No Claims Bonus on the rest of your HomeProtect policy). Great news!