Insurance overview
Our Buildings Insurance provides high levels of cover for your house and outbuildings.
Under our home insurance, this includes alternative accommodation cover, the cost of finding the source of leaking water or oil used in central heating and cover for legal liability, as standard.
What's covered by a Buildings Insurance policy?
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.
What's covered:
- Alternative accommodation for you, your family, and domestic pets, if your home can't be lived in as a result of insured damage.
- Replacement of the locks for outside doors or safes and the cost to replace the keys to your alarm system, if your keys are lost or stolen.
- The cost of finding the source of leaking water or oil used in central heating.
- Accidental damage to fixed glass, ceramic hobs and bathroom fixtures.
- Legal liability for injuries to others or damage to their property while in your home.
What's not covered:
- Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
- Damage or loss caused by lack of general maintenance, wear and tear, and loss of value over time.
- Any costs of replacing, repairing or restoring your buildings above the amount you’ve insured them for.
- Accidental damage (except fixed glass, ceramic hobs or sanitary ware). Accidental damage can be covered for an additional premium.
*Home Emergency Cover is provided by ARAG plc. Contractors appointed by ARAG must be used unless otherwise agreed.
The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. You can find further information in the Important Documents section.
