StandardBuildings cover, £300k rebuild
£19
per month
£228
per year (from)
Excess: £250 standard
Rebuild cost: Up to £300k
10% online discount
Free, quick comparison
Buildings insurance comparison
Compare buildings insurance from established UK insurers. Cover the structure of your home — walls, roof, windows and fixtures — against fire, flood, storm and subsidence.
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StandardBuildings cover, £300k rebuild
StandardBuildings cover, £250k rebuild
Quotes sorted by indicative annual premium (low to high)
Prices shown are indicative UK market rates for comparison only. Your actual premium will depend on your property, location, claims history and level of cover.
What is buildings insurance?
Buildings insurance covers the permanent structure of your home — walls, roof, floors, windows, and fitted items such as kitchens and bathrooms — against fire, storm, flood, subsidence, escape of water and vandalism.
It is a legal requirement for anyone with a mortgage, since your lender's interest is protected by the policy, and it typically runs from the day contracts complete on a purchase.
What are the benefits of buildings insurance?
Protects your biggest asset
Rebuilding a home after a fire or major flood can run into hundreds of thousands of pounds.
Mortgage lender requirement
Almost all UK lenders require buildings cover to be in place before completion.
Covers permanent fixtures
Fitted kitchens, bathrooms and boilers are covered alongside the structure itself.
What does buildings insurance include?
The structure
Walls, roof, floors, ceilings and permanent fixtures and fittings.
Fire and storm
Damage from fire, lightning, storm, flood and falling trees.
Escape of water
Burst pipes, leaking appliances and resulting repair costs.
Subsidence
Ground movement affecting foundations, usually with a higher excess.
Trace and access
Cost of locating and repairing the source of a hidden leak.
Alternative accommodation
Temporary housing costs if your home is uninhabitable after a claim.
How does buildings insurance pricing work?
Premiums are based on your rebuild cost — not market value — along with your postcode's flood and subsidence risk, the age and construction of the property, and your claims history.
Insurers also factor in security measures such as alarms and locks, and whether the property is occupied full-time or left empty for periods.
Do you need buildings insurance?
If you own a home outright it is not a legal requirement, but going without leaves you exposed to rebuild costs that would otherwise be uninsured.
Mortgage lenders require it as a condition of the loan, so almost every homeowner with a mortgage in the UK holds a policy.
How to choose buildings insurance
Check the rebuild sum insured is accurate — underestimating it can reduce any payout proportionally even on a partial claim. Compare excess levels, whether accidental damage is included as standard, and how the insurer handles alternative accommodation.
How to save money on buildings insurance
Fitting an approved alarm, paying annually rather than monthly, and bundling buildings and contents with one insurer typically bring the premium down. Avoid over-insuring the rebuild cost, which is usually lower than market value.
Related guides
These guides might help.
Sum insured vs bedroom rated cover
How buildings and contents insurers calculate what you need, and why underinsuring is a common costly mistake.
What voids a home insurance claim
Unoccupied periods, unreported alterations and lapsed alarms are among the most common reasons claims fail.
Renting out a property you used to live in
Why standard home insurance stops working the moment you get a tenant, and what to switch to instead.
FAQs
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Written by the Grow Your Business personal finance team