Buildings insurance
The Co-operative buildings insurance is an essential part of our home insurance. It covers the entire structure of your home, including roofs, walls, fences, gates and outbuildings, plus permanent building fixtures like kitchens and fitted wardrobes. You'll be protected from a wide range of buildings risks – fire, explosion, storm, flood, theft, vandalism, subsidence and a whole lot more.
And our cover automatically provides buildings insurance up to £500,000 as standard for the cost of rebuilding your home and any outbuildings.
Or call 0845 300 3525. Call charges.
We also offer:
- up to 40% No Claim Discount, because we want to reward you for being claim free
- 1/3 off your contents premium when you buy buildings and contents insurance together
- up to 16% online discount*
- option to protect and keep your No Claim Discount once the maximum entitlement is reached
- a choice of excess, which gives you the option to reduce your premium by choosing a higher excess
- optional accidental damage cover to protect your home against minor mishaps and DIY accidents such as putting your foot through the ceiling
- home emergency cover cover for just 12p for the first year.
You'll also benefit from:
- FREE legal expenses insurance, up to £50,000 costs covered
- FREE legal advice helpline
- FREE home emergency helpline.
| Buildings insurance | Cover |
|---|---|
| Loss or damage from specific events e.g. fire, theft, storm, flood, subsidence, escape of water etc | Up to £500,000 rebuilding costs |
| Accidental damage e.g. putting your foot through a ceiling | Optional |
| Property owner’s liability | Up to £2m plus legal costs |
| Loss of rent and the cost of alternative accommodation | Up to £20,000 |
| Accidental breakage of sanitary fittings, glass in doors, windows, solar panels and greenhouses |  |
| Accidental damage to underground pipes, drains and cables | |
| Cover for domestic outbuildings, including sheds, garages and greenhouses | |
| Architects’, surveyors’, consultants’ and legal fees; costs of debris removal and of local authority requirements | |
| Legal expenses cover | Up to £50,000 |
| Legal advice helpline | |
| HomeRescue Plus cover | Optional |
| HomeRescue helpline | |
We cannot offer you an online quote if the property:
- is not your main residence, e.g. the property is a holiday home, is rented out to tenants or is currently unoccupied
- is used for the accommodation of paying guests
- has ever been entered by flood waters
- is showing any signs of damage by subsidence, heave or landslip or the home or land on which it stands has ever been affected by these causes
- has more than 5 bedrooms or is higher than 3 storeys
- was built before 1850
- has a rebuilding cost of more than £500,000
- is used for business purposes other than office work, childminding or private tuition
- is a mobile home.
However we may still be able to provide you with a quote by phone please call 0845 300 3525. Call charges.
In addition, we cannot offer you an online quote if:
- you or anyone normally living with you have ever been convicted of, or has a prosecution pending in respect of arson, or any other offence involving dishonesty of any kind, e.g. fraud, robbery, theft or handling of stolen goods
- you or anyone normally living with you has been refused insurance or had special conditions imposed
- you or any of the proposers are under 16 years of age
- you are not resident in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.
Find out how much you can save on buildings insurance with an instant online quote. If you're happy you can buy online too and get your cover for buildings insurance in no time at all.
Alternatively, you could get in touch with us directly on 0845 300 3525, lines are open from 8am-8pm Monday to Friday, and from 8am-5pm on Saturday. Call charges.
If you could do with more information, this is where you'll find it. These useful PDFs will provide you with all the details you need to put your mind at rest.
The Co-operative home insurance (including travel & caravan) (PDF - 0.1Mb)
A summary of the cover available under The Co-operative home insurance.
Home insurance policy document (including travel & caravan) (PDF - 0.5Mb)
A sample policy document containing details of the terms, exclusions and conditions of the cover offered by The Co-operative home insurance.
*You are guaranteed a cheaper home insurance premium if you buy online. Depending on your circumstances, this could save you as much as 16%. The level of discount you are entitled to will depend on risk features such as your age and the type of cover chosen.
