Buildings insurance covers the cost of rebuilding or repairing for damage or loss to the structure of your property. At Zurich, our home insurance covers your buildings, where "buildings" is selected as part of your policy.
What is buildings insurance and what does it cover?
Buildings insurance is a cover that can pay to rebuild or repair the structure of your property if it’s damaged or destroyed, including the cost of site clearance and architect's’ fees. It covers the physical structure of a property– such as walls, floors and roof – against damage, loss, and theft. Permanent fixtures and fittings within your home, including bathroom suites, fitted kitchens and built-in wardrobes as well as external structures – such as outbuildings, garages, garden sheds, boundary walls, fences, hedges, plants etc., are also covered by buildings insurance.
Buildings insurance can cover against damage caused by events such as fire, storms, or floods, as well as vandalism or subsidence.
Keep in mind that buildings insurance is usually required if you are buying you home through a mortgage lender.
The amount you insure your home for is the buildings sum insured. The buildings sum insured is the cost to rebuild your home and not the market value or the amount your paid for it. If your property is underinsured, you may not receive the full amount necessary to rebuild, repair or replace it in the event of partial or complete damage. Make sure you review the buildings sum insured each year.
How much buildings insurance do you need?
How much buildings insurance cover do I need?’ is a common question many people ask and making sure that your property is adequately insured is crucial. The amount you insure your home for is the buildings sum insured. The buildings sum insured is the cost to rebuild your home and not the market value or the amount your paid for it.
To be totally confident that your home is fully insured, contact an independent surveyor, who will calculate the exact rebuilding cost of your home. The Society of Chartered Surveyors provide a rebuild calculator to give you an indication of the rebuilding cost of your house.
If your property is underinsured, you may not receive the full amount necessary to rebuild, repair or replace it in the event of partial or complete damage. It's important that you review the buildings sum insured each year.
Home insurance with buildings cover
With Zurich you can take out buildings cover together with contents cover, as part of a comprehensive home insurance policy, to insure both the structure of your property and your belongings.
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Save up to 29% online*
*Save up to 4% with the 'Protect' promocode discount and up to a further 10% discount when you get an online quote and buy a new home insurance policy online from Zurich. Simply enter ‘Protect’ in the promotional code box when you get your online home quote. This offer is available to new customers in the first year only and not available to existing Zurich home insurance customers. We offer an additional 5% discount on your home insurance if you have an existing insurance policy with Zurich. We also offer a minimum additional discount of 10% if you have been claims free for 4 years or more. Offer is valid until 28th February 2023. This offer cannot be used in conjunction with any other Zurich home insurance offer. All premiums including discounts are subject to the minimum premium. Discounts do not apply to optional add-ons.