Buildings insurance

Add home emergency cover for expert help in the event of an emergency with your property.

• Up to £1,000 for labour, parts and materials (including VAT) per incident
• Hotel accommodation costs up to £1,000 if you can't live in your home
• No excess
• £500 boiler contribution for boilers declared beyond repair
• Loss of essential services, ie boiler breakdowns
• Roof damage following a storm
• Plumbing emergencies
• Electrical emergency and breakdown
• Lost keys or damage to locks, doors or windows
• Pest infestation of rats, mice, wasps or hornets

• Emergencies you were already aware of when you bought the cover
• Routine maintenance, cleaning and servicing of your property
• Air conditioning equipment
• Cosmetic damage to your property
• Repairs due to wear and tear, eg dripping taps
• Breakdown of domestic appliances like washing machines or electric showers

For a full list of events covered and exclusions please read the Home Emergency Cover section of the policy booklet (PDF, 65KB).

Add this cover for sudden and unexpected damage to your home including, breaking fixed glass such as a window or hitting a nail through a pipe when doing DIY.

• Any excess on your policy
• Damage caused by wear and tear, vermin, insects, fungus, the weather or gradual damage
• Damage caused by water entering the home
• Damage caused by building extensions, repairs, alterations, subsidence, heave or landslip

For a full list of events covered and exclusions please read the Accidental Damage Buildings section of the policy booklet (PDF, 65KB).

Add this cover to provide you with a lawyer if you need one, and up to £50,000 of legal costs to pursue or defend a wide range of disputes.

• personal injury
• employment
• property
• medical negligence
• consumer issues.

• Disputing a disciplinary or grievance procedure at work.
• Any employer disputes which commenced within the first 30 days of holding this cover.
• Personal injury or death claims related to a motorised vehicle you are driving.
• Property disputes related to local or national planning policy or law.

The lawyer will assess your prospects of success if you need to make a claim and pursue a dispute. If in their opinion your case would not be successful in court, your expenses may not be covered.

For a full list of what's covered and exclusions please read the Legal Expenses Cover section of the policy booklet (PDF, 65KB).

Buildings insurance covers whatever it costs to repair your home after loss or damage (exclusions apply). It's not compulsory, but it's usually a condition of your mortgage. 

Buildings insurance is a form of home insurance, but it doesn't protect the contents within your home. 

No, but you can get additional cover for accidental damage for buildings. This covers you for sudden and unexpected damage to your home including, breaking fixed glass such as a window or hitting a nail through a pipe when doing DIY.

For a full list of events covered and exclusions please read the Accidental Damage Buildings section of the policy booklet (PDF, 65KB).

No, it’s not a legal requirement to have buildings insurance when you're renting. But, it is something that the landlord should have if it's a condition of their mortgage.