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.	0%
		** Buy before 30th April 2012 and receive a free night in a hotel for two adults **
	Swift Cover 25% off discount applies when you purchase buildings and contents cover together	25%
		** Manage your policy online **
	Marks & Spencer Unlimited home cover, 30% online discount	20%
	Barclays 25% average online discount between 19% - 30% depending on your circumstances	25%
		** Half price contents cover **
	Direct Line 25% off home insurance plus a further 25% off when you buy online	15%
		** Direct Line home insurance customers can also benefit from discounts on other Direct Line products **
	Halifax £50 cashback reward when you buy combined buildings and contents	0%
	John Lewis Unlimited buildings and contents cover	10%
	Tesco Choose from 3 policies - Finest, Standard or Value	0%
	AXA UK based handlers	45%
		** 45% discount when you purchase both buildings and contents cover together **
	Debenhams Free Home emergency cover worth £70.20	0%
	Co-operative Save a 1/3 off your content cover when you buy buildings insurance	16%
	Lloyds £50 cash back for new customers when you buy combined buildings and contents insurance	15%
	Policy Expert Choose from Bronze, Silver or Gold cover from our panel	0%
		** 25% discount when you buy buildings and contents together **
	American Express Choose from Standard or Prestige cover	5%
	Sainsburys 20% discount when you buy online	20%
		** 12 for 9 on two levels of cover, Sainsbury's Home Insurance and Sainsbury's Premier Cover Home Insurance. Offer ends 4th June 2012 **
	Legal & General UK based call centres	0%
	The AA Contents cover of up to £40,000 with higher levels available on request	20%

Compare Home Buildings Insurance

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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Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.