Are you a home owner and require buildings insurance? If so, simply find the company that best matches your individual profile using the Insurance Quote finder or get an online quote direct from the top home insurers listed on the right.

Alternatively, read our guide below concerning what home owners need to know regarding insurance for buildings.

Buildings Insurance Guide

In recent years, unexpected bad weather has caused untold misery and inconvenience to many home owners who have suffered damage to property following floods, storms, tornados and subsidence. Never before has adequate building insurance become so important to home owners and mortgage lenders. For those who have mortgages it is normally a requirement for the building to be insured.

Most buildings insurance policies are designed to cover the structure of your home in the event of fire, earthquake, falling trees, lightning, flood, storm, explosion, malicious damage, escape of water or oil and subsidence. The buildings structure is generally defined as the roof, walls, fences, gates and outbuildings. Some insurance policies also include kitchens, bathrooms and fitted wardrobes because they are regarded as permanent fixtures. Some companies offer accidental damage cover as an optional extra. This is particular useful and provides protection following DIY accidents or professional tradesman who accidentally damage your home. As with most types of policies, you maybe offered optional extras in your buildings insurance such as legal expenses to resolve property boundary disputes, and liability cover.

For those who are currently obtaining buildings insurance quotes, the question may arise – “do you know the rebuilding cost of your home?” The Association of British Insurers can help answer this question through the use of their buildings sum insured calculator. As an alternative to those insurers who insist you specify the sums insured look out for buildings insurance policies that provide standard limits of around £250,000 or higher.