Building Insurance

Buildings only home insurance is intended mainly to satisfy the requirements of your mortgage provider - who will require you to have buildings insurance cover on any property financed by them. A Buildings insurance policy from home-cover.com provides you with home insurance protection in the event of anything untoward happening to the physical structure of your property, a buildings insurance policy will not protect the contents of your home*.

What counts as building insurance?

By insuring your buildings with Home-cover.com you get the following great benefits:

• Flooding insurance
• Protection against subsidence
• Fire cover
• You can choose to protect against accidental damage
• Excellent rates
• Excellent cover
• Easy and fast online quote and buy

Click to get fast building insurance quote here

What does accidental damage cover?

As you'd suspect an 'accidental damage' extension covers you for things like putting your foot through the ceiling if you are working in the loft. Cover would also be provided if, for example, a car crashed into your property causing damage, or you burnt your carpet*.

Without an accidental damage extension on your home insurance policy you are covered against such events as subsidence and heave - these are both physical changes to the ground below or surrounding your house which cause your home to move. This movement can easily cause your house to become unsafe, and a buildings insurance only cover will provide insurance to cover the cost of the problems that present themselves*. Physical damage to the structure of your home due to flood would also be covered under a buildings only insurance policy*.