Buildings Insurance Cover by Intelligent Insurance
Specialist Buildings Insurers

Buildings insurance

Fire, flood, or a burst pipe can gut a property in minutes. Buildings Insurance foots the rebuild bill, sheltering your home and your savings.

Live in it or let it, you stay protected and get back on track fast.

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Frequently Asked Questions
Flat roof insurance

What is covered by buildings insurance

The purpose of Buildings Insurance is to protect the structure of your home. The foundations, walls, the roof, outbuildings and boundary walls. It’s all encompassed under one policy to safeguard your property from unforeseen events.

It steps in when you face:

  • Subsidence, landslip and heave
  • Smoke and Fire
  • Storms and Flooding
  • Falling trees
  • Escape of water
  • Attempted theft & Theft
  • Malicious damage

No two homes share the same risks, so we build cover to fit:

  • Structural quirks: foundations, ceilings, outbuildings and boundary walls
  • Renovation projects: protection while you extend, convert or refurbish
  • Heritage features: like-for-like reinstatement for listed stonework, timber beams or bespoke materials
  • Overlooked costs: trace & access, alternative accommodation and owners’ liability
Summary of cover
Trusted by Homeowners

Buildings Insurance that fits the way your home is built.

Whether it’s an out-of-the-ordinary layout, a recent barn conversion or a block of flats, our buildings insurance is tailored to your property’s exact build type and risks. Nothing generic, nothing wasted.

What we provide

Buildings cover up to £1,000,000, with the option to increase for specific cases
The amount your insurer will pay to repair or rebuild your home in the event of an insured loss
Alternative accomodation
Temporary accommodation in the event your home is uninhabitable
Replacement locks and keys
For lost or stolen keys
Trace and access cover
Replacement and repair to any parts of the building that are removed when tracing escape of water

What isn't included?

We don’t cover loss or damage
  • Caused by wear, tear or gradual deterioration
  • That occurred before the policy started
  • Caused by vermin, insects, pets
  • Caused by dishonest, wilful or deliberate acts
  • Arising from leaks from swimming pools, fixed hot tubs, jacuzzis, fixes spas
Cover restrictions
  • you are only covered up to the maximum claims limits shown on your schedule
  • you are responsible for any excesses stated in your policy
  • any exclusions or restrictions shown by endorsement in your schedule

Home Insurance Cover Levels

  • Buildings Insurance

    Cover for the main structure of your home if you need to repair or rebuild it

    Up to £1 million
  • Contents Insurance

    New for old cover for belongings kept in your home

    Up to £100,000
  • Alternative Accomodation

    Covers the costs for you and your family including pets to live elsewhere while your home is undergoing repair after an insured event

    Up to £50,000
  • Trace and Access

    Replacement and repair to any parts of the building that are removed when tracing escape of water

    Up to £5,000
  • Accidental Damage

    Cover for accidental breakages or damage to your buildings eg putting your foot through the ceiling, or accidental breakage of glass

    Optional

What you get with Intelligent Insurance

  • Defaqto 5-Star rated protection
  • Underwritten by trusted, household-name insurers
  • Competitive premiums with flexible payment options
  • UK-based team praised for excellent customer service
  • Fast online quote - no lengthy phone calls required
Buildings insurance

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Buildings insurance knowledge base

Need more help? Check out our guides and articles.

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Policy Documents

If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.

Add-Ons

Home Emergency Plus
Family Legal Protection Plus

How to make a claim

Making a claim has never been easier – just follow these three simple steps.

step-one

Step One – Check Your Policy

Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.

step-two

Step Two – Report the Incident

Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.

step-three

Step Three – Submit Your Claim

If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.

*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.

Home insurance specialists
names you can trust

Intelligent Insurance | Arkel Panel Member
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Prestige Underwriting Services Panel Member
Nelson policies as Lloyd's logo
Intelligent Insurance | Pen Underwriting Panel Member