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Buildings Insurance
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Buildings Cover
As a homeowner you want to have peace of mind that if anything happened to your home you wouldn't be left homeless or with thousands of pounds worth of repair.
In fact, if your home were to be destroyed by fire or a gas explosion then it may be that you need to cover the cost of rebuilding your entire home, the cost of which could be hundreds of thousands.
If you have a mortgage, buildings cover is compulsory but if you are a tenant and rent your property, this is something that you shouldn't have to worry about as building cover is the responsibility of the homeowner or freeholder.
How much buildings insurance do I need?
You need to make sure that the amount of cover you take is adequate to cover the full cost of a rebuild should the worst happen.
Don't assume that the value of your house is always going to be the same as a full rebuild cost - for example your house may be worth £120k but a total rebuild may cost in the region of £250-300k - more if any connecting properties are also damaged.
