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Buildings Insurance

buildings-insuranceBuildings Insurance covers the cost of damage to the structure of your property. This includes the roof, walls, ceilings, floors doors, windows, permanent fixtures and fittings, interior decoration and is a mandatory requirement of all mortgage lenders.

Home Insurance is usually made up of two separate policies, one for buildings and one for the contents. If you have a mortgage then taking out buildings insurance will be part of the terms and conditions of your mortgage offer.

Buildings Insurance covers the cost of damage to the structure of your property. This includes the roof, walls, ceilings, floors doors, windows, permanent fixtures and fittings, interior decoration and is a mandatory requirement of all mortgage lenders.

It generally covers the cost of repairing or rebuilding your home if it’s damaged and you’ll be able to claim if your home is damaged by;

– Natural events such as storms and floods
– Fire, smoke, explosions
– Vandalism
– Subsidence
– Car and lorry collisions
– Falling trees
– Water damage from leaking pipes
– Oil leaking from your heating system

Depending on the type of policy you get, it may also cover the structures around the home such as garages, fences outside walls and driveways.

There are several different types of buildings insurance policy you can choose. It’s important you get the right advice to make sure you don’t end up out of pocket if you need to claim.

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