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Protecting customers with insurance since 2001

Detached home with garage.
Home insurance

Buildings insurance

Help to find and fix a water leak in your home, like a burst pipe.

Detached home with garage.

Defaqto buildings insurance logo.

Defaqto 5 Star rated buildings insurance

We put you at the heart of everything we do, and that includes offering Defaqto 5 Star rated Extra buildings cover.

Do you have home insurance with us?

Visit our existing customer page to find out how to make changes to your policy. You can also read our FAQs for answers to key questions.

What is buildings insurance?

Buildings insurance is for your home, garage, shed and fixtures like kitchen units. We'll cover the structure of your home against damage by fire, storm and other similar causes.

Do I need buildings insurance?

It's not a legal requirement, but mortgage lenders often need you to have it. 

Why choose our buildings home insurance?

We offer 3 levels of buildings cover to suit your needs. You'll also get access to a 24-hour claims helpline and the following benefits:

Comprehensive buildings cover

We'll cover your home against damage caused by fire, storm, theft or escape of water.

Alternative accommodation cover

We'll help you cover of cost of finding somewhere to go if the worst happens.

Burst pipes

Things like frosty weather can cause your pipes to burst. We can help cover the cost of fixing things like water leaks and deal with any damage caused.

Finding a leak (trace and access)

We know it's important to locate and fix any damage to your home, such as hidden leaks. You’ll get up to £1,000 cover with our Essentials cover, up to £2,500 with Standard and up to £5,000 if you choose Extra.

What does buildings insurance cover?

Damage to the structure of your home, including: 

  • Walls and ceilings
  • Roof
  • Fitted kitchens and bathroom suites
  • Windows and doors
  • Drives, paths and gates
  • Patios and paved terraces
  • Garden ponds, statues and fountains permanently fixed into the ground

These events are covered too:

What's not included in our buildings cover

  • Damage which occurs over time as a result of normal use or ageing, maintenance of your home or routine decoration. Sometimes known as wear and tear
  • Damage to fences, hedges or gates caused by storms and floods

Full exclusions can be found in our policy wording.

Moneyfacts home insurance.

5 Star rated buildings cover for your home

We’ve been awarded a Moneyfacts 5 Star rating for our Standard and Extra buildings cover.

Compare our buildings insurance cover levels

There are 3 levels of cover. Take a look at what's included with each.

Essentials

4 Star Moneyfacts rated buildings cover

Standard

5 Star Moneyfacts rated buildings cover

Extra

5 Star Moneyfacts rated buildings cover

Buildings

Buildings

Alternative accommodation and loss of rent

Alternative accommodation and loss of rent

Finding a leak (trace and access)

Finding a leak (trace and access)

Up to £1,000 cover for the cost of locating and fixing a hidden leak within your home

Up to £2,500 cover for the cost of locating and fixing a hidden leak within your home

Up to £5,000 cover for the cost of locating and fixing a hidden leak within your home

Loss or theft of keys

Loss or theft of keys

Up to £1,000

Up to £1,000

Up to £1,000

Burst pipes

Burst pipes

Sale of home

Sale of home

If your home is damaged between exchange and completion, we’ll pay the claim to the buyer when the sale goes through

If your home is damaged between exchange and completion, we’ll pay the claim to the buyer when the sale goes through

If your home is damaged between exchange and completion we’ll pay the claim to the buyer when the sale goes through

Accidental damage to underground services

Accidental damage to underground services

Includes underground pipes and cables that service your home, and you’re legally responsible for

Includes underground pipes and cables that service your home, and you’re legally responsible for

Includes underground pipes and cables that service your home, and you’re legally responsible for

Property owners liability

Property owners liability

Up to £2 million

Up to £2 million
Up to £2 million

Matching items cover

Matching items cover

Emergency services

Emergency services

If your home is damaged due to someone having to access your home in an emergency

If your home is damaged due to someone having to access your home in an emergency

If your home is damaged due to someone having to access your home in an emergency

24/7 home emergency cover*
24/7 home emergency cover*

Optional

Up to £1,000 per claim

Optional

Up to £1,000 per claim

Up to £1,000 per claim

Optional

Optional

Optional

Up to £100,000 per claim

Optional

Up to £100,000 per claim

Up to £100,000 per claim

*Must use a MORE THAN authorised tradesperson.

When making a claim, an excess applies. This is the first part of the claim you'll have to pay.

Fixed excess:

  • £150 - compulsory excess with Essentials cover
  • £100 - compulsory excess with Standard and Extra cover
  • £1,000 - subsidence claims for all cover levels
  • £500 - water leak (escape of water) for all cover levels
  • £50 - loss or theft of keys for all cover levels

For more information including exclusions, see the policy wording.

Additional cover to go with your buildings insurance​

These cover options can be added when you choose home insurance with us.

Other types of home insurance

Need help with anything else?

Is your home a listed property or made of unusual construction? Please call us for a home quote.

Important information

**Boiler repair is covered by home emergency cover. Boiler age and servicing restrictions apply.