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Compare cheap buildings insurance from over 65 providers2

We’re committed to finding the right cover for you and your home. 

That’s why we compare over 65 of the biggest insurance providers in the country, including:

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1 51% of consumers could save up to £175.63 a year on buildings and contents insurance. Consumer Intelligence, May 2023. UK only.

2 Accurate as of May 2023

What is buildings insurance?

Buildings insurance covers your home from damage by floodfiresubsidencestorm or vandalism. It protects the structure of the building (the walls, roof, floors and extensions) and its fixtures (such as built-in wardrobes, bathroom suites and fitted kitchens).

Your buildings insurance company will also repair damage caused by leaky pipes or faulty electronics, as well as criminal or accidental damage. If necessary, they’ll even foot the bill to rebuild it completely. Your possessions are not protected, however under buildings insurance. For that you need a separate contents insurance policy.

Your mortgage lender will require you to have buildings insurance because as soon as you exchange contracts on a property, you’re legally responsible for the building. If you own your home outright, buildings insurance protects your investment.


Who needs buildings insurance?

Buildings insurance is not a legal requirement but, bearing in mind the investment we spend on our homes, it is a sensible idea. Especially if you live somewhere where there is a high risk of damage to your home – such as from flooding, fire, or subsidence.

However you should only get buildings insurance if you own your own property, and only if your home isn’t part of a block of flats. If you are a tenant, your landlord is the one who should buy insurance for the building.

  • Tick

    Property owners

    Whether you have a mortgage or own the house outright, buildings insurance protects your home from all sorts of problems

  • Tick


    Buildings insurance covers your investment from structural issues, though you may need specific landlords’ insurance too

  • Cross

    Flat owners

    If you own an apartment in a block of flats, an individual buildings insurance policy isn’t necessary

  • Cross


    Renters don’t need buildings insurance – that’s the responsibility of the owner. Consider renters insurance instead

What does buildings insurance cover?

Buildings insurance covers the physical structure of the building, as well as any permanent fixtures like a bathroom suite or fitted kitchen. If you wish there are a range of optional extras homeowners can add to increase the scope of their cover:

  • Tick

    Covered as standard


    Fire can be devastating , and often requires total replacement rather than just repairs to a property. Thankfully, accidental fire damage is always covered as standard in buildings insurance


    Cover for burst rivers, storms, or heavy rain comes as standard for almost all buildings insurance policies. However, groundwater flooding isn’t always included, so it’s vital to check your policy documents if you have any concerns about that


    Storms can cause a lot of different damage to a property, from electrical to water damage. Most buildings insurance policies will cover damage caused by violent wind, rain, hail, snow, or lightning.

    Subsidence/ heave

    Subsidence and heave can both cause devastating damage to a home if they’re not dealt with quickly. So, buildings insurance will cover structural repairs if you spot any cracks or signs of rising damp.

    Collisions and falling debris

    Buildings insurance can cover the cost of clearing debris as well as rebuilding damage caused by objects smashing into your home. It can include fallen trees or satellite dishes as well as vehicle collisions.

    Escape of water

    Escape of water is one of the most common claims made for domestic property damage. Buildings insurance will cover the cost of repairing and replacing burst or frozen pipes as well as any associated water damage.

    Theft/ vandalism

    Broken windows and doors require urgent repair for the safety of you and your loved ones. With buildings insurance you don’t have to delay getting important repairs and replacements to keep your home secure.

  • Plus

    Buildings insurance optional extras


    Some domestic policies will cover outbuildings as standard, but others offer it as an optional add-on, so it’s worth checking if you need to take up the option. With the cover, you can protect a shed or garage on your property as well as any contents you keep in them.


    Garden insurance, which can come as an optional extra, will protect valuable items that you leave in your garden. It can include outdoor furniture or gardening tools as well as cherished plants and ornaments.

    Swimming pools

    Swimming pools are not usually covered as standard unless damaged at the same time as your home. By buying extra cover, you should be able to claim for any structural damage to your pool.

    Ponds and patios

    Optional extra insurance is available to cover structural damage to your pond or patio. However, buildings insurance will not cover any fish that you keep in your pond or, indeed other livestock you may have.

    Accidental damage cover

    Accidental damage insurance will pay out for any sudden and unintentional damage caused by an outside force, such as a broken window or a stained carpet. The cover can protect both your home and its contents.

    Alternative accommodation

    If your home is badly damaged, it may not be safe to stay there while you’re waiting for repairs to be made. With alternative accommodation cover, you can claim for the cost of living elsewhere while your home is being repaired.

    Home emergency cover

    Home emergency cover will cover the cost of calling out a tradesman when there’s a sudden unexpected incident, such as a broken boiler or burst pipes. Emergency call-outs can be expensive, so the insurance can be a valuable option.

We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.

of our customers would buy again
based on 37,960 reviews

Advised and explained everything
Pros: Really straight forward process, to finding a superior Home Insurance Policy, for approximately 35% less cost! Thank You MSM Cons: I can't find any faults, I like everything about the process!
Pros: So much choice which allowed me to get the right policy for me at the right price

What should I think about when choosing buildings insurance?

When shopping around for a building insurance policy, there are a number of things to keep in mind that can help you get a decent deal on cover that meets your needs:

  • Exclusions and limits

    Each policy will have certain exclusions where you will not be allowed to claim. It's important to check your exclusions and cover limits with your provider and in the policy documents

  • Contents cover

    Buildings insurance alone will only cover the structure to your home and not the contents. If you want extra protection for your belongings, consider getting contents cover as well

  • Excess

    Excess is the amount that you volunteer to contribute towards each claim. A greater excess can reduce the cost of your policy but also means you will have to pay more to cover repairs

  • Unoccupied home

    Providers have a limit for how long they will cover your home while it is unoccupied, with the standard length being up to 30 days. This is something to keep an eye on if you plan on travelling for extended periods

  • Public liability cover

    Check how much public liability cover is included as standard with your policy. This valuable protection will cover your legal costs if anyone dies or is injured on your property, or if any property is damaged

  • Emergency helpline

    Some providers have a helpline that you can use in case of emergencies for advice and assistance. This can be a valuable service that ensures you get fast emergency repairs when you need them

How much should I insure my building for?

The sum insured for your home should cover the full amount it would cost to rebuild from the foundations up at today’s prices – in case something like a gas explosion destroys it completely.

The rebuild cost of a house is how much it would cost to construct it in the same way with the same materials from scratch at today’s prices, including labour. This is not the same as your house’s market value, which also includes the price of the land it’s built on, and local amenities and transport links. 

It’s hard to calculate the exact cost of rebuilding, so ensure your estimate is as accurate as possible. A chartered surveyor can help – check out our guide to calculating rebuild costs for more information.

Simon Read

Our expert says


Buildings insurance is essential if you have a mortgage, unless you live in a block of flats. But bear in mind that the cost of rebuilding your home is not the same as its market value – which includes factors like the value of the land it's built on and local amenities. That means the cover you may be less than you paid for the property.

- Simon Read, Car & Van Insurance Expert

What makes up the rebuild value?

  • The age of the property

    Older materials are often more expensive

  • The building materials

    Non-standard materials are often more costly or require a specialist builder

  • Subsidence risk

    A higher subsidence risk means more chance of serious damage 

  • Flooding

    If the property is near a river there is a higher flood risk

  • Number of rooms, doors and windows

    These indicate a larger building and higher costs

How much does buildings insurance cost on average?

There are quite a few variables which affect your buildings insurance premiums, including where you live and what type of home you live in. However, the number of bedrooms it has is often a good yardstick. Here’s how much buildings insurance costs on average per number of bedrooms1:

  • 1

    One-bed: £77.49

  • 2

    Two-bed: £107.93

  • 3

    Three-bed: £138.86

  • 4

    Four-bed: £188.57

  • 5

    Five-bed: £273.12

  • 6

    Six beds or more: £340.90

Get cheaper buildings insurance

On average buildings insurance policies can cost as little as approximately £772. One good way to find cheaper buildings insurance premiums is to shop around and see if you can find a cheaper policy elsewhere, instead of auto-renewing. Here are our top tips:

  • Shop around

    Compare quotes from leading insurers through MoneySuperMarket, allowing you to compare deals and pick the best offer for you

  • Build your no claims discount

    A history of not claiming on your insurance is usually rewarded with a discount on your premiums

Buildings insurance and contents insurance are both important. The first protects the structure of your property if it’s damaged by natural disasters or vandalism, and the second protects your possessions.

As a rule of thumb, anything that can be carried out of a house is protected under contents insurance, which means things like carpets, curtains, white goods, light fittings and furniture. Meanwhile anything fixed to the structure of the house, such as built-in wardrobes, plus things like your garage or conservatory, are covered by buildings insurance.

No, you don’t need documents to get a quote. However you do need to know basic facts about the property you want to insure, including its age and the materials it is built from.

The simplest way to get a quote on buildings insurance is to give MoneySuperMarket a few details on your home. We will use your information to get quotes from a range of house insurance companies, which you can then search and choose the deal that suits you. You can also search for contents insurance at the same time, or even buy a policy which combines home and contents insurance.

While your mortgage lender will almost certainly require you to buy buildings insurance, you don’t have to buy it from their preferred insurer. In fact, you’ll probably be able to find cheaper insurance by shopping around and comparing prices.

If you own a leasehold property, you might find that the building is already insured by a landlord who owns the freehold. If you’re not sure, your solicitor can advise you.

In certain blocks of flats where leaseholders have joined forces to buy a portion of the freehold, you might have to buy your own buildings cover.

Most buildings insurance policies do not cover rising damp, sadly. It’s unusual for home insurance policies to cover any kind of gradual deterioration. 

You can still get buildings insurance if you live in a flood risk area, but your premiums are likely to be quite a lot more expensive. You can find out more in our guide to flood insurance.

If you want to extend or convert your house, or make significant renovations, you should let your insurer know before the work begins. You will probably be able to make changes to your policy, but it’s best to inform them first, in case anything goes wrong and your policy is invalidated.

If you are leaving your property empty for more than 31 days at a time, you will probably need a specialist unoccupied home insurance policy.

If you haven’t been able to get the information from the title deed to your home, which should have been obtained by your conveyancer or estate agent when you bought it, the easiest way to check the age of your home is with the government’s Land Registry service.

Garages are considered separate structures for the purposes of buildings insurance, and you’ll have to list it as such when you apply. You should still be able to get cover, but it’s not wise to claim it as another ordinary room.

Buildings insurance is available to people who own listed buildings or those made from non-standard materials such as thatched roofs, though the chances are you'll have to pay a little extra due to the extra risk, and the extra rebuild costs.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.

We aim to show you home insurance quotes from as many insurance companies as possible, so that you can find the right policy for you.

Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites.

We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you.

You can find out more about how we work here.

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