Buildings Only Insurance
Our team at 1st Choice Insurance believes that everyone deserves great value on their buildings only insurance policies, which is why we offer great value for money with incredible savings. Call us today on 0800 078 7003 – 0300 600 0603 or complete our Get a Quote Form.
A buildings only insurance policy is a type of home insurance policy which covers your property’s permanent fixtures and fittings and the building structure, but not any contents.
The correct policy can save £1,000’s
Permanent fixtures and fittings could include floors, ceilings, walls, windows, doors, fitted bathroom or kitchen units, the roof and some policies may extend to outside structures such as fences, sheds or garages. You should check the details of your policy carefully and ensure that you make us fully aware exactly what your needs are before we provide you with a quote.
If you need to include cover for contents, you should consider a combined policy, however we can quote you for just buildings only insurance.
If you are a renting a property, i.e. a tenant, then you shouldn’t have to worry about buildings insurance as this is usually the responsibility of your landlord. Specific Landlord Insurance is also available – standard home insurance policies are not suitable for landlords, ask us for details.
When you take out a mortgage on a property, it is usually a condition from your lender that buildings cover is taken out, however, you don’t have to take the lender’s insurance. Talk to us and we’ll shop around to get you the best deal available.
To provide you with a quote, we will need to know the current rebuild cost of the property. There are numerous online calculators which can help you assess the rebuild value of your property including; The Building Cost Information Service (BCIS) of the Royal Institution of Chartered Surveyors (RICS) calculator which can be found at: https://calculator.bcis.co.uk
The rebuild cost of a property can vary over time as well as changing after you have made improvements to the property, e.g. new bathroom, extension etc.
When taking out a buildings only insurance policy it is very important that you check your policy’s terms and conditions for full details of what’s covered. You should also be clear about any exclusions and endorsements and remember that in cases of flood risk or subsidence, we may require further information in order to provide you with a competitive quotation.
Get Buildings only Insurance Quotes
Whatever your requirements, 1st Choice Insurance is here to help. Call our friendly, experienced team on 0800 078 7003 – 0300 600 0603 for a no obligation quotation or use our Get a Quote Form to request a call back.