What Does Building Insurance Cover?

Building insurance is a critical part of protecting your property. But what exactly does it cover—and what doesn’t it? Here’s a complete overview based on 2025 standards.

1. What Is Building Insurance?

Building insurance covers the physical structure of your home, including:

• Walls, roof, and floors

• Windows, doors, and ceilings

• Fixed installations (kitchens, bathtubs, built-in closets)

• Garages, sheds, fences, and driveways (if included)

It protects you financially in case of damage to your home’s structure from specific insured risks.

2. What Events Are Covered?

Most standard building insurance policies include protection from:

• Fire and explosion

• Storm, wind, hail, and lightning

• Theft or vandalism (for structural damage)

• Burst pipes and escape of water

• Falling trees or aerials

• Impact from vehicles or aircraft

• Subsidence, landslip, or heave (if covered in the policy)

These are known as “insured perils.” Coverage kicks in if the event is sudden and unforeseen.

3. What’s Not Covered?

Common exclusions include:

• Wear and tear or aging materials

• Poor maintenance or neglect

• Damp, mold, or condensation

• Faulty workmanship or structural defects

• Damage due to pests or vermin

• Pre-existing damage from before your policy started

You may need optional add-ons for accidental damage or subsidence cover.

4. Add-Ons and Optional Extras

Many insurers offer optional coverage such as:

• Accidental damage – covers things like drilling into a pipe

• Trace and access – finds the source of hidden leaks

• Home emergency cover – urgent repairs (boiler failure, plumbing)

• Legal protection – covers disputes related to your property

Ask your broker what’s available and what makes sense for your situation.

5. When Building Insurance Is Required

You’ll need building insurance:

• When taking out a mortgage—most lenders require it

• If you own a freehold property

• To cover rebuild costs in the event of total destruction (e.g. fire)

It’s recommended even for mortgage-free homes to protect against major losses.

Final Thoughts

Building insurance protects your property’s structure from events like fire, storms, subsidence, or water damage. Make sure you understand your policy limits, exclusions, and consider optional add-ons if needed.

Want professional help reviewing your policy or getting a better deal?
We search nearly 100 carriers and have 30+ years of experience to help you get the right coverage—quickly and affordably. Send your request now for a custom quote.