Help Centre / Is there a legal requirement to have buildings insurance?

Is there a legal requirement to have buildings insurance?

Legal Obligations

There is no legal requirement mandating individuals to have buildings insurance for their properties. However, it’s crucial to note that if you have a mortgage on your property, your mortgage provider may insist on buildings insurance as part of their lending conditions.

Mortgage Provider’s Requirement

Many mortgage providers require borrowers to maintain buildings insurance to protect the property’s structure. This is often a stipulation to mitigate the financial risk associated with potential damages to the mortgaged property.

Considerations for Homeowners

Even if you own your home outright, foregoing buildings insurance might expose you to significant financial risks. The costs associated with repairing or rebuilding a home damaged or destroyed by unforeseen events can be substantial. Therefore, while not legally mandated, obtaining buildings insurance is a prudent financial decision to safeguard your most valuable possession.

Protection for Homeowners

For most people, their home represents a substantial investment and is often their most valuable asset. Opting for buildings insurance provides a layer of protection against the unexpected, ensuring that the costs of repair or reconstruction are covered in the event of damages.

Safeguarding Your Home

Ensuring your home is adequately protected, whether due to mortgage provider requirements or personal choice, is a responsible step to safeguard your investment and provide financial security in the face of unforeseen events.


By understanding the considerations surrounding buildings insurance, individuals can make informed decisions based on their specific circumstances and financial goals.

Speak to our team

The quickest way to reach us is via online chat. No robots, only real people. Our friendly team are available to help you five days a week.

Opening Hours
  • Monday-Thursday
  • Friday
  • Saturday
  • Sunday
  • Bank Holidays