Buildings Insurance
Covers the structure of your home — often a condition of your mortgage.
How it works
We talk through your property and what it would cost to rebuild
We compare trusted insurers to find cover that fits your budget
We put your policy in place, so your home's structure is properly protected
Buildings insurance covers the physical structure of your home — walls, roof, windows, and fixtures like a fitted kitchen or bathroom — against damage from events like fire, flood, storms, subsidence and escape of water. It typically covers the cost of rebuilding your home if it were seriously damaged or destroyed, not its market value.
Almost every mortgage lender requires buildings insurance to be in place from the point you exchange contracts, since the property is their security for the loan. You're free to arrange this with any provider — it doesn't have to be your lender's own policy — and we can point you towards competitive options.
Good if you…
- You're buying a home and need cover in place from exchange of contracts
- You own your home and want to make sure your rebuild cost is properly covered
- You want to compare buildings insurance instead of defaulting to your lender's offer
- You live in a flat or leasehold property and want to check what your service charge already covers
Typically covers
- The cost of rebuilding your home if it's damaged or destroyed
- Fixtures and fittings that are part of the structure, like fitted kitchens and bathrooms
- Damage from events like fire, flood, storms, escape of water and subsidence
- Alternative accommodation costs if your home becomes temporarily uninhabitable, with many policies
Worth knowing
- Cover is based on rebuild cost, not market value — the two can be very different, especially in expensive areas
- If you own a flat, your buildings insurance is often arranged by the freeholder or managing agent through your service charge — worth checking before arranging your own
- Under-insuring your rebuild cost can reduce what you're paid out if you claim, even for a partial loss
- It's required from exchange of contracts, not completion, if you're buying a property
Common questions
Usually the freeholder or management company arranges buildings insurance for the whole building, and you contribute through your service charge — it's worth checking your lease and confirming this before assuming you need your own policy.
Want to talk through buildings insurance?
We'll talk through your circumstances and only ever recommend cover that genuinely fits — no pressure, no jargon.
This page is for general information only and doesn't constitute personal advice or a recommendation. Whether a particular type of cover is right for you — and how much — depends on your individual circumstances. We'll only ever recommend cover after a full conversation about your situation.
Other cover to consider
Ready for take-off? Let's find your mortgage.
Book a no-obligation 20-minute call and we'll talk through your options — whether you're crew, ground staff, or just looking for a great rate.