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Buildings
Insurance
To Suit You.
It’s free to speak with a building insurance adviser 7 days a week.
Discover The Easy Way
Same Day Appointments
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Quick Decisions
Stop waiting weeks to get a decision.
Transparent Advice
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Same Day Appointments
Let's get started today.
Quick Decisions
Stop waiting weeks to get a decision.
Transparent Advice
Don't be left in the dark anymore.
We Can Search Thousands Of Buildings Insurance Deals
The Journey to Protecting What Matters Most
Initial
Meeting
Let’s grab a coffee (or a Zoom). This is where we get to know you, your concerns, and your protection goals. Think of it as a relaxed chat to set you on the right path to financial security. You talk, we listen!
Personalised
Package
We’ll craft an insurance plan tailored to your needs, complete with all the suitable options. We’re like your personal insurance matchmaker, finding the best deal to make protecting what matter most easy.
We Do
The Rest
Leave the paperwork, provider chasing, and all the heavy lifting to us. All you need to do is sit back and relax while we make it happen behind the scenes. Our award-winning insurance team is available 7-days a week.
You Are
Covered!
Your new insurance is set up, and it’s time to pop the bubbly! Like all our 5-star customers, you are now financially protected should the worst happen.
“Going above and beyond is what we do; we LOVE our job, and most of all, we LOVE helping our clients.”
If you need any form of Building Insurance Advice, then make an appointment with one of our advisors today. We aim to make protecting your family as easy as possible.
Building Insurance Facts
Buildings insurance covers the structure of your home, including walls, roof, floors, windows, and doors. It also typically includes permanent fixtures like fitted kitchens, built-in wardrobes, and bathroom suites.
This type of insurance protects a range of risks, such as fire, lightning, explosion, storms, floods, theft, vandalism, and subsidence. It ensures that you are covered for repairing or rebuilding your home if it is damaged by these perils.
If you have a mortgage, your lender will usually require you to have building insurance in place. This protects their financial interest in the property, ensuring that it can be rebuilt or repaired in case of damage.
Buildings insurance covers the cost of rebuilding your home from scratch, which is often different from its market value. The rebuild cost includes materials and labour, as well as any associated fees, such as architect and surveyor costs.
Many buildings insurance policies offer optional accidental damage cover. This can protect you against unexpected incidents such as drilling through a water pipe or accidentally damaging a structural component during home improvements.
If your home is rendered uninhabitable due to an insured event, buildings insurance often covers the cost of alternative accommodation while repairs are carried out. This ensures that you and your family have a place to stay without incurring additional costs.
Buildings insurance can include liability coverage, which protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. This can cover legal fees and compensation costs.
By understanding these key aspects of buildings insurance, you can ensure that your home is adequately protected against various risks and liabilities.
Why Use Protex Financial For Buildings Insurance Advice?
Here at Protex Financial, we strive to focus only on you. This is why we can offer the best range of buildings insurance advice with access to thousands of products the insurance market offers. Our building insurance brokers can search thousands of products to ensure you are getting the most suitable deal you can possibly get.
The FCA, the Financial Conduct Authority, regulates our team at Protex Financial. This means everything we do is for you; we must offer you the leading and most suitable insurance options, rates, and buildings insurance advice.
Frequently Asked Questions
Buildings insurance is a type of insurance policy that covers the cost of repairing or rebuilding the structure of your home if it is damaged by events such as fire, storm, flood, theft, or vandalism. It typically includes the main building and permanent fixtures.
Coverage typically includes:
- Structural components like walls, roofs, and floors.
- Permanent fixtures such as fitted kitchens and bathrooms.
- External structures like garages and sheds (often as an optional add-on).
- Protection against various risks such as fire, lightning, storm damage, flood, theft, and vandalism.
- Some policies may include accidental damage and legal liability cover.
Yes, most mortgage lenders require buildings insurance as a condition of the loan. This ensures that the property, which serves as collateral for the mortgage, is protected against damage.
The rebuild cost is the amount to completely rebuild your home from scratch, including materials, labour, and associated fees. This can be different from the market value of your home. You can use a chartered surveyor or online calculators provided by insurance companies to estimate this cost.
Exclusions often include:
- General wear and tear or lack of maintenance.
- Damage is caused by pests like insects or rodents.
- Damage from floods or earthquakes unless specifically included.
- Certain high-risk areas or properties are under construction without additional coverage.
Yes, you can get building insurance for a listed building. Still, it may be more expensive due to the higher costs associated with repairing or rebuilding historical or unique architectural features. It’s important to find a specialist insurer who understands the specific needs of listed properties.
Yes, you can change your buildings insurance policy mid-term, but it’s important to review any cancellation fees or penalties. Shopping around for better rates or coverage and discussing options with your current insurer can help you make an informed decision.
Accidental damage cover is an optional add-on that provides protection against unexpected and unintentional damage to your home’s structure. Examples include drilling through a water pipe or accidentally breaking a window.
To make a claim:
- Contact your insurer as soon as possible after the damage occurs.
- Provide details of the incident and the extent of the damage.
- Submit any required documentation, such as photos or repair estimates.
- Your insurer may send a surveyor to assess the damage before approving the claim.
Yes, you can change your buildings insurance provider at any time, but you may incur cancellation fees from your current insurer. It’s important to compare new quotes and ensure there is no gap in coverage during the switch.
Yes, most buildings insurance policies cover subsidence, the gradual sinking or settling of the ground beneath your home. However, this coverage often comes with higher excesses, and you may need to provide additional information or undergo a survey.