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Buildings Insurance

Our Buildings insurance covers the entire structure of your home, including roofs, walls, fences, hedges, gates and outbuildings, plus permanent building fixtures like fitted kitchens and wardrobes. You'll be protected from a wide range of buildings risks, including fire, explosion, storm or flood (excluding fences, hedges and gates), theft, vandalism and subsidence.

Take a look at our eligibility criteria to see if our buildings insurance is suitable for you.

Why choose us? 

Our buildings insurance gives you:

  • Up to £500,000 rebuildings costs to cover against loss or damage to the structure of your home.
  • Accidental damage cover for underground pipes, drains and cables.
  • Cover for domestic outbuildings at your home address, including sheds, garages and greenhouses.
  • Property owner's liability - up to £2m plus legal costs.

These are just a few benefits of our buildings insurance, take a look at the 'Buildings insurance' section in our Summary of cover.

For further details of terms, exclusions and limitations - please refer to the policy document.

Please note: If your home was built before 1850, please see our guide to older properties.

Optional Extras 

As well as great value cover as standard, you can purchase the following optional extras to provide extra peace of mind:

Home Insurance

UK call centres
for help with your quote and customer service


Calls may be monitored or recorded for security and training purposes.

HomeRescue Plus is provided on behalf of The Co-operative Insurance by AXA Assistance (UK) Limited, The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR Registered in England and Wales No: 02638890 and authorised and regulated by the Financial Conduct Authority (FCA), number 439069.

First notification of a claim outside of normal working hours will be answered in Eire.

Applicants for insurance are subject to normal underwriting criteria.