Home Insurance
Building Insurance in the UK
Understanding Building Insurance
Building insurance covers the physical structure of your home, protecting against risks such as fires, storms, vandalism, and subsidence.
What Does Building Insurance Cover?
✔ Structural Damage – Walls, roofs, windows, and fitted kitchens. ✔ Pipes & Wiring – Protection against water leaks and electrical faults. ✔ External Structures – Some policies cover garages, sheds, and driveways. ✔ Alternative Accommodation – Covers temporary housing costs if your home is uninhabitable.
Who Needs Building Insurance?
- Homeowners – Required for mortgage approval.
- Landlords – Protects rental properties.
- Leaseholders – Some buildings insurance is covered by management companies.
How to Choose the Right Policy
- Compare quotes from trusted insurers.
- Check if your policy covers accidental damage.
- Ensure flood and fire protection are included.