About Our 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
Buildings Insurance that fits the way your home is built.
Whether it’s an out-of-the-ordinary layout, an 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
What isn't included?
- 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
- 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
Policy Documents
If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Add-Ons
*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.
How to make a claim
Making a claim has never been easier – just follow these three simple steps.
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 – 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 – 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.
Home insurance specialists
names you can trust
