Buildings insurance covers the cost of rebuilding or repairing for damage or loss to the structure of your property. At Zurich, our award-winning home insurance covers both your buildings and contents, where both are 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. 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, 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 subsistence.
Keep in mind that buildings insurance is usually required if you are buying you home through a mortgage lender.
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. When you insure your home, you should base your figure on the rebuilding cost and not the market value of your home.
To be totally confident that your home is adequately 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.
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.