Home Buildings Insurance

Buildings insurance, unlike contents insurance, protects the actual structure of your home, fitted fixtures and out buildings. If something is permanently attached to your home it will be covered under your building insurance; for example, fitted wardrobes, pipes under the house – even the kitchen sink! There are many elements to building insurance UK citizens can enjoy with Staysure!

For a building insurance quote and to discuss your individual circumstances, call our home insurance experts on 0844 692 8400 – or just click Get a Quote.

Why do I need Building Insurance?

Home buildings insurance is required by mortgage lenders in order to secure their investment. This means that although buildings insurance is not a legal requirement in the UK, it may be extremely difficult to acquire a mortgage without adequate buildings insurance. If you rent your property, however, it is usually the landlord's responsibility to have the appropriate house building insurance in place – if you are uncertain as to what you are covered for, it is always best to speak to your landlord.

As building insurance covers you in the event that your home is damaged, or in severe cases completely destroyed, it is important to make sure you have adequate cover. Something to pay particular attention to when obtaining your buildings insurance quote is your property's rebuild value; this most likely will not be the same as its market value. The rebuild value is literally the amount of money it would cost to rebuild your property from scratch, generally including all the materials and labour, whereas the market value is how much your current house is worth. It may sound simple, but confusing the two could be costly! In this economic climate where a property's market value may be lower than normal, the cost of rebuilding the property may be unchanged – underestimating the rebuild value could mean that a claim, should the worst happen, would not be fully covered. If you have any questions regarding rebuild value versus market value, or would just like to discuss your individual needs, our home insurance experts would be more than happy to help on 0844 692 8400.

Buildings Insurance with Staysure

Home building insurance from Staysure is available through a wide range of providers, meaning we can tailor your insurance to meet your needs. You can receive a home insurance building quote in minutes by clicking Get a Quote and filling in your details. Remember to complete the information about your property as accurately as possible, which will ensure you are fully covered should the worst happen.

• Cover for water leaks, burst or frozen pipes,
     and freezer contents
• Policies from many leading insurers such as
     Aviva, Allianz, Ageas and more
• UK call centre
• Competitive no claims discount
• Optional upgrades such as legal protection
     and emergency breakdown cover