Buildings insurance can cover your house and outbuildings in the event they are damaged by things like fire or flooding.
What part of your home does buildings insurance cover?
Unlike contents insurance, which covers the items in your home, buildings insurance covers your roof, floors, windows doors and ceilings.
Why choose us?
- UK-based call centre and 300 local offices providing a personal service
- We pay out on 98% of claims*
- No admin fees for changes to your policy
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 |
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Provided by ARAG Plc. |
Optional |
Included as standard, limit of £1,500 for each claim |
| Replacement of 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 |
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£50,000 |
| Legal liability | £2.5 million** | £10 million |
| Damage caused by pets |  |
£5,000 |
| 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 |
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