Buildings Insurance
Protect your property with buildings insurance
Do you already have a policy with us?
Make a claim, renew your policy or get help with your home insurance.
What's buildings insurance?
Buildings insurance covers the cost to repair your home's structure and fittings if they're damaged. That includes your walls, roof, windows, bathroom and more.
It protects them against storms, fire, vandalism and other damage.
Why choose More Than Buildings Insurance?
£1.25 million in buildings cover
If your home is destroyed, you can get up to £1.25 million to help repair or rebuild it.
Three levels of cover
Choose the level of cover that suits you and your needs best - from More Than to More Than Premium.
No fees to change your policy
Unlike other insurers, we won't charge you a fee to make changes to your cover during your policy.
What does buildings insurance cover?
Here are some of the situations your buildings insurance will cover:
Storms
Cover if your home is damaged by severe weather, as long as your home is looked after properly. We don't cover fences, gates or hedges.
Leaks
Support if you have a burst pipe or other plumbing damage.
Theft and
vandalism
Protection from theft and damage caused by criminal activity.
Fire and smoke
Cover if fire or smoke damages your home.
Falling trees
and branches
You can claim if falling trees or branches cause damage to your property.
Collisions
We cover your home against collisions involving vehicles, an aircraft and animals.
Log in to MyMoreThan to see your policy documents.
What's not covered
Here are some things your buildings insurance won't cover:
- Damage caused by wear and tear or a lack of maintenance.
- Storm damage to fences, gates and hedges.
- Loss or damage caused by pests.
- Loss or damage caused by pets chewing, scratching, tearing, fouling or vomiting.
- Claims where the excess is more than the value. For example, if the damage will cost £100 to fix but you have a £200 excess, you can't make a claim.
- Claims where you've left your home unoccupied for longer than the 'days unoccupied limit' and haven't told us.
Compare our buildings insurance cover levels
The table below shows the standard benefits and maximum limits of each level of cover. You can customise these when you get a quote, and add optional cover like Home Legal Expenses.
We have three levels of cover for you to choose from:
More Than |
More Than Plus |
More Than Premium |
|
|---|---|---|---|
|
Buildings sum insured |
|||
|
Buildings sum insured |
£1.25 million |
£1.25 million |
£1.25 million |
|
Alternative accommodation |
|||
|
Alternative accommodation |
£35,000 |
£75,000 |
£100,000 |
|
Trace and access |
|||
|
Trace and access |
£5,000 |
£5,000 |
£10,000 |
|
Oil or water leaks |
|||
|
Oil or water leaks |
£500 |
£1,500 |
£2,500 |
|
Pipes and plumbing inside your home |
|||
|
Pipes and plumbing inside your home |
|
|
|
|
Site clearance and building fees |
|||
|
Site clearance and building fees |
|
|
|
|
Garages and outbuildings |
|||
|
Garages and outbuildings |
|
|
|
Policy documents
To learn more about what your policy does and doesn't cover, read your policy documents.
How to get a quote
Right now, we're only selling home insurance policies through price comparison websites.
Follow the steps below to get a quote.
Visit a price
comparison website
Go to a price comparison website and answer some questions about you and your home.
Check your
quote
Check through the quotes you're offered, including More Than Buildings Insurance. If you're happy with our price, click to proceed with us.
Confirm your
details
Make sure your details are right, that you're happy with the cover, and then click confirm.
The price comparison website will securely pass us your information, and we'll set you up with a policy and an account.
Unlike car insurance, buildings insurance isn't a legal requirement. But it can be really useful to have. It means you're protected if your home is damaged and needs expensive repairs.
Some lenders might ask that you have at least buildings insurance before they offer you a mortgage.
Yes, it does. We count your garage, shed or other outbuildings as part of your home as long as they're permanent structures.
Yes, you can. It could be more expensive though, as your home is more likely to need repairs.
But that's where the Flood Re scheme can come in handy. It's an agreement between the government and UK insurers, including us, which lets us offer more affordable insurance for people living in flood-risk areas.
Yes, your buildings insurance will cover roof repairs if it's damaged unexpectedly. For example, in a storm.
But there are some situations we won't cover. That includes wear and tear, which is damage that happens slowly over time, or damage caused by you not looking after the roof properly.
It's important to look after your roof all year round.
Yes, your buildings insurance covers water or oil leaks in your home. If you notice a leak, it's a good idea to try and stop the flow if you can, so the problem doesn't any worse. You can do this by:
- turning off the water supply at the stopcock
- switching off your oil supply at the tank
Then get in touch with us so we can help sort out the issue.
For more information, visit our home insurance FAQs page.
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