Speak to us:
01603 649650
Speak to us:
01603 649650
Home & Property Insurance
A UK house detached with building insurance cover from Alan Boswell Group

Buildings Insurance

Home buildings insurance covers your most expensive asset against damage. Pick and choose additional covers to suit your needs.

  • Alternative accommodation
  • Fire, lightning, explosion & earthquake
  • Full rebuild costs
Speak to us:  01603 649650

Buildings insurance is an essential type of cover that protects the structure and fabric of your home, including any permanent fixtures, against damage. It covers your property from the top down, including the roof, windows, pipes, and both internal and external walls.

A typical policy also includes cover for fixed fittings such as kitchens, toilets, and other permanent fittings.

In the event of serious damage, your policy will pay out to help you rebuild your home. Many policies also offer a range of optional add-ons, allowing you to tailor your cover to suit your needs.

The Alan Boswell Group Difference

Alan Boswell Group is one of the country’s leading suppliers of property insurance. Having worked with homeowners for more than 40 years, we understand the UK property market and the challenges they face. Our experience means we are able to deliver first-class independent advice and tailored insurance products to your individual circumstances and properties.

Alan Boswell Group staff member giving advice on building insurance

How our customers rate us

Listened to the issues I was facing and understood what I was trying to achieve. Very helpful in achieving them at a reduced cost to my former provider of house insurance.

Philippa - Home insurance customer

4.8/5 11598 reviews

Building insurance in detail

Buildings insurance is one of the most standard parts of a policy and covers the most important, and often most expensive, element, the building itself. Below are some of the details typically included in a standard policy.

Rebuild costs

Covers the full cost of rebuilding your property (including materials, labour, and professional fees and alternative accommodation costs) following major damage.

Fire, lightning, explosion & earthquake

Protection against severe damage from fire or natural disasters.

Storm and flood damage

Covers damage caused by adverse weather, such as strong winds or flooding.

Subsidence, heave, and landslip

Structural damage due to ground movement is covered, subject to insurer conditions and excesses.

Escape of water or oil

Covers damage caused by burst pipes, leaking tanks, or heating systems.

Theft and vandalism (structural damage)

Covers damage to the building caused during theft or attempted theft, or malicious acts.

Impact damage

Covers the cost of repairs following impact by vehicles, trees, or falling objects.

Outbuildings, garages, and boundaries

Cover usually extends to permanent outbuildings, walls, gates, fences, and driveways.

 

Alternative accommodation

Pays for temporary accommodation if your home becomes uninhabitable due to an insured event.

Property owner’s liability

Provides liability cover (typically £1m–£5m) in the event someone is injured or their property is damaged and you are found legally responsible.

Optional covers

Contents insurance covering your possessions inside and outside the house.

Accidental damage cover protects you against sudden and unexpected damage caused by an identifiable external force.

Personal belongings cover insures items typically worn or carried outside the home, such as jewellery, phones, and clothing.

Pedal cycle cover provides protection if your bike is lost, stolen, or accidentally damaged away from home.

Home emergency cover gives you access to 24/7 assistance for urgent problems like heating breakdowns, power failure, pest infestations, or storm damage.

Family legal cover helps cover the cost of legal disputes, including personal injury claims and consumer-related issues.

Key cover protects you against the cost of replacing lost or stolen household keys.

Excess protection covers your insurance excess after a valid property damage claim.

Get in touch

Whether you need a quote, have a general enquiry, want to register a claim, or talk it through over the phone, we're here to help.

Speak to us:  01603 649650

What types of buildings insurance do I need?

There are different types of buildings insurance you might want and they are tailored to suit various property types and ownership situations as shown below.

Listed buildings insurance

Listed Building Insurance

Specialised and tailored support to ensure you obtain the most suitable insurance policy for your beloved property.

landlord and buildings insurance

Landlord Building Insurance

Landlord building insurance is a vital cover for your rental property we can search the market, compare quotes, and arrange your insurance so you get the best cover available.

Home Renovation Insurance

Home Renovation Insurance

Embark on your project with confidence, knowing that our specialised home renovation insurance offers tailored protection so you can transform your space worry-free.

Unoccupied Property Insurance

Unoccupied Property Insurance

Secure peace of mind with our comprehensive unoccupied property insurance, providing reliable cover to safeguard your investment and protect against unforeseen risks.

Holiday Home Insurance

Holiday Home Insurance

Safeguard your UK holiday home with our tailored insurance cover, providing peace of mind and protection for your property.

Commercial Property Insurance

Commercial Property Insurance

Essential for owners of shops, offices, surgeries, hotels, leisure complexes, or home-based businesses, providing cover for diverse commercial buildings.

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