Residential Contents Insurance

Residential Buildings Insurance

Residential Buy to Let Insurance

Private Car Insurance

Travel Insurance

Commercial Vehicle Insurance

Residential Building Insurance
In this Section
What is Buildings Insurance?
What should I insure my property for?
What Is Buildings Insurance?
Buildings Insurance will protect the main structure of your home and permanent outbuildings (On the same plot of land) against set perils. Cover does vary between Insurers however most policies will protect your property against the following perils:
  • Fire
  • Lightening
  • Explosion
  • Earthquake
  • Riot
  • Vandalism/Malicious Acts
  • Storm or Flood
  • Subsidence/landslip/Heave
  • Theft or Attempted Theft
  • Escape of Water
  • Collision
  • Falling Trees
  • Falling aerials
  • A/D To Underground services
Accidental Damage may also be added to a policy for an additional premium charge.
What Should I Insure My Property For?
The buildings of your property should be insured for the cost of reinstating (Or rebuilding cost (RBSI) as it is more commonly known), your property from scratch should it suffer a total loss, for example a fire. This figure should include the cost of clearing the site following the loss, architect fees and then the main cost of rebuilding the property.

The RBSI is not to be confused with the purchase value or the current value of your home as this can differ greatly.

If you are in the process of buying or remortgaging on a property the RBSI is normally shown on the mortgage valuation carried out by your mortgage company.