What's covered under buildings insurance
Buildings insurance covers the structure of your home, garage and domestic outbuildings, including fitted kitchens and fitted wardrobes.
Below is a summary of the cover provided under our buildings insurance policy.
Our buildings insurance includes cover for
- The structure of the property including its walls, fences, drives and patios
- Outbuildings within the boundaries of the home
- All permanent fixtures and fittings (including fitted kitchens and fitted wardrobes)
- Fixed glass and windows in the home and fixed sanitary ware (accidental damage is provided as standard)
- Cover is up to the selected sum insured (which is the cost to rebuild the property) this can range from £30,000 to £750,000
Your buildings will be covered if any of the following events occur:
- Fire, smoke, lightning, explosion, thunderbolt or earthquake
- Storm or flood
- Escape of water or oil from any fixed water or heating installation or domestic appliance
- Riot, civil commotion, strikes, labour or political disturbances
- Theft, attempted theft, vandalism or malicious acts
- Subsidence, ground heave or landslip of the site in which the property sits
- Falling trees, aerials or satellite receiving equipment
Optional accidental damage extension (an additional premium will apply). For example, someone putting their foot through the ceiling whilst in the loft
We also offer some extra cover as standard:
- Cover during the sale of the property
- Property owners liability cover up to £2,000,000
- Alternative accommodation up to the lower of £10,000 or 20% building sum insured if the home cannot be lived in following an insured event
Home insurance cover is subject to terms and conditions.
We also provide contents cover.
