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Buildings insurance is a type of home insurance policy which protects the physical structure of your home against risks like fire, flooding and theft.
Should your home be damaged or destroyed the insurer will pay for any repair or rebuilding work that needs doing.
Buildings insurance is totally different from the other main type of home insurance – contents insurance. While buildings cover will protect the bricks and mortar of your property, you’ll need contents cover if you want to protect any possessions inside.
Buildings insurance will typically cover any repair or rebuilding costs should it be damaged or destroyed by one of the following:
As with all types of insurance, there are reasons the insurer will refuse to pay out. Generally damage caused to your home by the following won’t be covered:
In a nutshell, buildings insurance is for property owners and landlords – if you own the freehold to the property.
You don’t need this type of protection if you’re just a tenant who is renting the place.
Ultimately buildings insurance isn’t legally required. However, if you have (or are planning on taking out) a mortgage, the lender will most likely demand you take out buildings insurance.
Likewise, if you own a flat you might have to take out cover as part of a leasehold agreement.
The annual cost of buildings insurance really varies and depends on a whole host of factors:
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