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.
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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 31 July 2022. 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.