Buildings Insurance

If you have a mortgage, your lender will usually insist that your property (and their security) is protected by buildings insurance.

It usually covers your property against loss or damage from many causes, including but not limited to; fire, flood or subsidence.

This type of insurance relates to the cost of repairing the structure of the house, and can include damage to fixed sanitaryware forming part of the building, as well as domestic outbuildings such as sheds, greenhouses and garages.

If you purchase a leasehold property (such as a flat in a block of flats) the freeholder may have arranged buildings insurance for the whole block, in which case you may not need your own buildings policy.

For buildings insurance we arrange policies exclusively through PaymentShield.