A large modern detached house with double garage

Buildings Insurance

Cover for your house and outbuildings

Protect your house and outbuildings from damage with buildings insurance.

What's covered under buildings insurance?

Unlike contents insurance, which covers your household possessions, including money, jewellery and electrical items, buildings insurance covers items fixed to your property and your outbuildings. We cover the structure of your property, including your roof, floors, windows, doors and ceilings.

Both our Buildings Insurance policies provide a high level of cover for your house and outbuildings. This includes alternative accommodation cover, trace and access - covering the cost of removing or replacing any part of the building in order to find a water leak - and legal expenses cover, all as standard.

Why choose us?

  • We reward our loyal customers through a Mutual Bonus which provides a saving on the renewal premium of your General Insurance policy.
  • UK-based call centre and over 295 agency offices offering a personal service.
  • We don't charge admin fees for changes to your policy or payments made by Direct Debit.

Buildings Insurance Summary

Product Feature

Home and Lifestyle Insurance >

NFU Mutual Bespoke Home Insurance >

Repair or replacement of buildings in the event of insured damage or loss Amount you choose

A bespoke amount that you choose

Accidental damage cover included as standard

Alternative accommodation £75,000 or 25% of the insured rebuild cost, whichever is more Insured rebuild cost
Trace and access £10,000 Buildings sum insured amount

Home Emergency Cover

Provided by ARAG Plc.


Included as standard, limit of £1,500 for each claim

Replacement of outside locks Replacement if keys are stolen, we'll pay up to £1,000 if keys are lost Unlimited cover if keys are lost or stolen up to buildings sum insured amount
Fly tipping cover


Legal liability £2.5 million* £10 million
Damage caused by pets


Legal expenses cover £50,000 £100,000
Cost of alternative stabling 20% of the insured rebuild cost Insured rebuild cost
Access to a 24 hour emergency helpline