Buildings insurance

Providing you with excellent levels of insurance cover to protect your residential building

Buildings insurance

Covering you against loss and damage to your property

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.

HomeProtect can provide buildings insurance for homes that are classed as "hard to insure" by others, such as listed buildings, steel framed buildings or those near water. Find out more about the different property types and situations that we can cover.

Cover up to £500,000

Normally a HomeProtect buildings insurance policy provides up to £500,000 to rebuild your buildings, although more is available if your property needs it. We recommend that you check how much your property would cost to rebuild before getting a quote, avoiding the complications and disappointment of under-insurance in the event of a claim.

No claims discount available

If you haven’t made a claim for a long time, you’ll be rewarded with a less expensive premium. A HomeProtect buildings insurance policy can be reduced in price by up to 25% through a no claims discount.

What is a building insurance?

Buildings insurance is a policy that protects the structural aspects of a property, such as the walls, roof, fixtures and fittings against loss or damage. Buildings insurance will cover the rebuild cost of your home; this is not the same as the property’s market value.

Do you need buildings insurance on a flat?

If you own your flat, you should take out buildings insurance. If you are living in a leasehold flat, or are a tenant, your landlord has responsibility for sourcing buildings insurance.

What does the building insurance cover?

Buildings insurance covers the full rebuild cost of the property as well as the cost of repair for loss or damage to the structure of your house. Risks covered usually include fire, lightning, explosion, storm, flood, subsidence as well as damage to outbuildings or other areas within the boundary of the property.

Situations we can cover:

For a full list of what is covered and details of cover limits please refer to the HomeProtect policy booklets.

Eco Friendly Building Materials

7 ways to save on buildings insurance

Shopping around is important but it’s not always about getting the best deal, it’s about getting the best cover.

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What our customers say

Your questions answered

Unoccupied house insurance

Buildings insurance FAQs

We’ve prepared some helpful answers to your questions about buildings insurance, and about how our policy works.

Learn more

Really pleasantly surprised at the attitude of this company - couldn't have been more helpful in starting a new policy. Situation was not straightforward but the representative referred to a supervisor when in doubt and a positive response was given very quickly. Impressive! 

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