About Your Buildings Insurance Cover
Buildings Insurance Cover is designed to protect the physical structure of your home, including walls, roofs, and permanent fixtures. It’s crucial for safeguarding your property against unforeseen damages and disasters.
Your home is unique, and so are its insurance needs. Our Buildings Insurance Cover is not a one-size-fits-all solution; it’s a personalised approach to protect your home.
We understand that every property, from a city center apartment to a rural cottage, has its distinct characteristics and risks. That’s why our coverage is designed to be flexible and adaptable to your specific situation.
While the fundamental purpose of Buildings Insurance is to protect the structure of your home, our cover goes beyond the basics. We focus on comprehensive protection that addresses not just the common risks but also those often overlooked aspects of home ownership*.
- Structural Integrity: Our policy extends to cover structural elements of your home like foundations, ceilings, and even outbuildings, ensuring that every part of your property is safeguarded against potential risks.
- Renovation and Repair: If you're planning renovations or need to undertake repairs, our cover provides peace of mind that your investment is protected during these processes.
- Historical and Architectural Elements: For homes with historical significance or unique architectural features, our policy takes into account the additional value and costs associated with these elements.
- All property types and personal circumstances considered
- Buildings Insurance cover rated 5 Stars by Defaqto
An Intelligent approach to Buildings Insurance
Intelligent Insurance approaches Buildings Insurance Cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.
This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.
We’re committed to providing protection that adapts to your specific needs, offering peace of mind that’s as unique as your property.
What we provide
What isn't included?
- Caused by wear, tear or gradual deterioration
- That occurred before the policy started
- Caused by vermin, insects, pets
- Caused by dishonest, wilful or deliberate acts
- Arising from leaks from swimming pools, fixed hot tubs, jacuzzis, fixes spas
- you are only covered up to the maximum claims limits shown on your schedule
- you are responsible for any excesses stated in your policy
- any exclusions or restrictions shown by endorsement in your schedule
Home Insurance Cover Levels
-
Buildings Insurance
Cover for the main structure of your home if you need to repair or rebuild it
Up to £1 million -
Contents Insurance
New for old cover for belongings kept in your home
Up to £100,000 -
Alternative Accomodation
Covers the costs for you and your family including pets to live elsewhere while your home is undergoing repair after an insured event
Up to £50,000 -
Trace and Access
Replacement and repair to any parts of the building that are removed when tracing escape of water
Up to £5,000 -
Accidental Damage
Cover for accidental breakages or damage to your buildings eg putting your foot through the ceiling, or accidental breakage of glass
Optional
Documents
Policy Booklet
The policy booklet explains all of the general terms and conditions that apply to your Intelligent Insurance policy and optional extra cover
Terms of Business
This important document provides details of our fees, how to cancel or complain, and details about who regulates Intelligent Insurance
Information Documents
The Insurance Product Information Documents (IPIDs) summarise the key levels of cover and restrictions that apply
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
Home insurance specialists
names you can trust
