Buildings insurance

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 (e.g. carpets), 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.

Situations we can cover:

• Listed buildings insurance.
• Home insurance for large homes.
• Non-standard construction home insurance.
• Flat roof home insurance.
• Timber frame house insurance.
• Heritage home insurance.
• Unoccupied and empty home insurance
• Solar panels insurance.
• Drainage insurance.

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

Drainage insurance

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Your questions answered

Buildings insurance FAQs

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

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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!