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         Home Buildings Insurance Information

The first thing to remember is that the value of the insurance you will need is NOT the value of your house - it is the cost of a total rebuild of your home - if the worst happened you would still own the land that your property is built upon so the insured sum needs to be that necessary to reconstruct the building as it was. There are some tips to calculating this figure at Calculating the level of cover . The value of your property is likely to increase each year, and so is the cost of rebuilding it, so most buildings insurance policies are index-linked to ensure that the level of cover increases according to inflation, but you should always check the policy document to make sure that you don't need to increase the value of your policy after the first few years.

When you take out buildings insurance you are not only protecting the main structure of your home, you will also be covered for any accidental damage inside the building, so your windows, doors, and even decoration are covered by your building insurance, in fact anything not covered by home contents insurance should come under your buildings cover.

As with any form of insurance the different companies assess you and your property in slightly different ways according to the risks of fire, flood, vandalism etc that they perceive in your area and according to your own circumstances, so in order to get the best deal we advise you to use our table of leading UK building insurance providers to obtain 2 or 3 separate quotes from both direct insurers and brokers. If you live in a particularly old or unusual building such as a thatched cottage or a listed building then we would advise you to try the brokers listed rather than the direct insurers as a broker is more likely to be able to source specialist buildings insurance to suit your requirements.