Buildings Insurance

What’s covered

Cover for damage, subsidence, and even lost keys.

Damage to the structure of your home

• Caused by events such as fire, flooding and theft
  
• We also cover subsidence, heave of land and landslip

Damage to garages and outbuildings

• The structure of your garage and any domestic outbuildings are covered as standard
• We’ll also cover swimming pools, ponds and fountains, hard courts, terraces, and patios
  

Cost of alternative accommodation (including loss of rent)

• We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
• And if you’re a landlord we’ll pay you either for lost rent or for alternative accommodation
  

Replacement locks and keys

• We’ll pay to fit replacement locks to external doors if your keys are lost or stolen, as well as alarm systems or safes in your home 

Liability protection for injuries or property damage

• Protection for injuries or property damage (if you’re legally liable as the homeowner)

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

• Wear and tear
• Wet rot, dry rot or frost damage
• Fences, gates or hedges damaged in a storm
• Claims for poor workmanship or faulty design

Take a look at our policy wording for full details of what's not covered.

 Read our policy wording (667.7 KB)