Home Buildings Insurance

Home buildings insurance is the cover that you have to have if you are a homeowner with a mortgage and even if you have fully paid off the loan, you'd be very unwise not to insure your most expensive asset. The buildings cover pays for the home to be rebuilt if it is completely destroyed or to be repaired if, for instance, the roof is blown off in a storm. Read more...>

	Virgin Money Option of either home contents, buildings or both.	10%
		** Extra 10% discount when you buy joint cover online **
	Direct Line Trusted brand offering extensive cover.	25%
	Legal & General Receive up to 43% discount on your policy	15%
	ING Direct Choose from additional cover options to suit your needs	36%
		** Get 45% off your premium when you buy combined buildings and contents cover online **
	Barclays Three months free insurance if the policy is bought before 30th June 2010	0%
	The AA Contents cover of up to £40,000 with higher levels available on request	0%

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Buildings insurance does not pay for wear and tear maintenance but it would pay if the damage caused by a major fire might mean that a house is structurally unsound and needs to be rebuilt.

Buildings insurance may be rarely claimed but when it is used the expense is usually great so the insurance companies will balance those two factors. A large home with many bedrooms that will cost more to rebuild will attract a higher premium than a smaller home.

If your home is at greater than average risk of flooding or near an eroding coastline you may find it more difficult to obtain buildings insurance. Previous history of subsidence claims will also impact on premiums and the ability to obtain buildings insurance.

The costs of materials and labour for home building are always increasing so it's important to make sure that your buildings cover keeps up with the potential expense that could be needed should disaster strike.

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