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...>

	Swift Cover 25% off discount applies when you purchase buildings and contents cover together	25%
		** Manage your policy online **
	Marks & Spencer  20% discount when you buy online	20%
	Barclays 25% average online discount between 19% - 30% depending on your circumstances	25%
		** Half price contents cover **
	Direct Line  40% off when you buy online	40%
		** 40% off Home Insurance when you buy online (Offer extended until 02.07.13) Excludes SELECT**
	Halifax £50 cashback reward when you buy combined buildings and contents policy	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 Up to 25% off when you take out  buildings and contents insurance together	20%
	Lloyds £50 cash back for new customers when you buy combined buildings and contents insurance online	20%
	Policy Expert Choose from Bronze, Silver or Gold cover from our panel	0%
	American Express Choose from Standard or Prestige cover	5%
	Sainsbury's Bank Up to 20% discount on your premium when you buy online.	20%
		**Up to 50% off if you have 5 years claims free. New customers only. Offer ends 3rd June 2013**
	Legal & General UK based call centres	0%
	The AA Contents cover of up to £40,000 with higher levels available on request	20%

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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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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.

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