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 (up to the value of £1000)

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 (PDF 347 KB)