insurance

buildings insurance

Protecting the Structure. Preserving the Value.

If you have a mortgage, your lender will require buildings insurance to protect both your home and their financial interest. But beyond meeting requirements, buildings insurance is a vital part of safeguarding one of your most valuable assets.

Buildings insurance typically covers the cost of repairing or rebuilding your property following major damage caused by events such as:

  • Fire or explosion.

  • Storms, flooding, or subsidence.

  • Vandalism or accidental damage.

  • Damage to fixed fittings like kitchens, bathrooms, and built-in wardrobes.

  • Outbuildings such as garages, greenhouses, or sheds.

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What isn’t covered?

Buildings insurance is designed to protect the physical structure of your home; not your possessions. You’ll need separate contents insurance for items such as furniture, electronics, and valuables.

Your policy should reflect the full rebuild cost of your property, not its market value. You can estimate this using the Building Cost Information Service (BCIS) online calculator, especially if you’ve made major changes like a loft conversion or extension.

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Tailored Cover for Mortgaged & Leasehold Properties

While you may be offered buildings insurance as part of a mortgage deal, you’re under no obligation to accept it. Our advisers help you compare policies based not only on cost but on the quality and breadth of cover, ensuring you have the protection that’s right for you.

If you're purchasing a leasehold property (such as a flat), the freeholder may already have arranged buildings insurance for the entire block. In these cases, you may only need contents insurance for your personal belongings.

A white three-story building with French windows and decorative railing on a balcony, next to a red brick building with arched windows, on a city street with parked bicycles and cars, black street lamp, and a clear blue sky.

Keeping costs Competitive

  • Combining buildings and contents cover can often reduce overall premiums.

  • Opting for a higher excess may lower your monthly cost, but consider how much you’d be comfortable paying in the event of a claim.

  • Don’t just compare price; review what’s actually covered, including exclusions, limits, and claims support.

Benefits can include:

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Black and white icon of a house with a roof, door, and window.

Legal Liability

Accidental Damage Cover

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Building Cover

No Claims Discount

loss Of Rent or Costs For Alternative Accommodation

Why work with us?

At Bakerhill Associates, we help you:

  • Choose robust protection, not just the cheapest quote.

  • Understand what’s covered and what’s not.

  • Adjust your policy if your property changes.

  • Get access to high-quality insurers, many of whom work exclusively through brokers.

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Get in touch

Looking for buildings cover that reflects the true value of your home?

Speak with our experienced team for a tailored quote and expert advice.