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.
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.
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.
For a full list of what is covered and details of cover limits please refer to the HomeProtect policy booklets.
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.
Buildings insurance covers the structure of the home together with its fixtures and fittings: it covers the cost of repair or rebuilding after fire or weather damage for instance. Contents Insurance covers the contents of your home, the possessions you would take with you if you moved house.
If you own the freehold of your flat, you should take out buildings insurance. If you live in a leasehold flat, or are a tenant, your landlord has responsibility for sourcing buildings insurance.
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
When you purchased the property a homebuyer’s survey is likely to have included the date of construction.
Your local authority may have a record of when planning permission was granted to build the property.
Your neighbours may have an idea of when the property was built.
Note: A rough estimate of the property construction date is enough for the purposes of getting your home insurance quote.
If you have a heritage property, here are some steps to take:
We've put together a handy glossary of buildings insurance terms to make all understanding policies and phrases easier for you.