Skip to main navigation Skip to main content Skip to footer content

Buildings insurance

Renew your policy 0845 600 2918

Amend your policy 08457 46 46 46

Make a claim 0845 999 8888

HomeRescue Plus 0845 607 6472

Legal expenses claim 0845 300 2247

Legal advice helpline 0845 300 2247

Emergency travel assistance (for travel outside the UK) +44 1737 815 013

Pre-travel advice 01737 815 013

Minicom 08000 684 244

Cancellation line 08457 46 46 46

Landlords insurance 08457 46 46 46

Make a complaint 0845 300 0374

Or write to:
Central Customer Relations Unit
The Co-operative Insurance
Miller Street
Manchester
M60 0AL

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.

Retrieve a saved home insurance quote

Quote and buy Home insurance

Or call 0845 300 3525. Call charges.

  • Key buildings insurance details

    • Benefits

      We also offer:

      • 1/3 off contents cover - take out buildings insurance and you will get 1/3 off your contents insurance. If you pay by Direct Debit we will spread the reduced payments over 12 months.
      • HomeRescue Plus – just 12p in the first year (usually £24 a year). Claim up to £250 for emergency repairs to fix things like broken boilers or burst pipes.
      • Free £50,000 legal expenses cover.
      • Up to 40% No Claim Discount, because we want to reward you for being claim free.
      • 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.

    • Entitlements

      You'll also benefit from:

      • FREE legal expenses insurance, up to £50,000 costs covered
      • FREE legal advice helpline
      • FREE home emergency helpline.

    • Summary of cover

      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
      yes
      Accidental damage to underground pipes, drains and cables
      yes
      Cover for domestic outbuildings, including sheds, garages and greenhouses
      yes
      Architects’, surveyors’, consultants’ and legal fees; costs of debris removal and of local authority requirements
      yes
      Legal expenses cover
      Up to £50,000
      Legal advice helpline
      yes
      HomeRescue Plus cover
      Optional
      HomeRescue helpline
      yes

    • Eligibility

      We cannot offer you an online quote if the property:

      • is not mainly roofed with slates or tiles
      • is not your main residence, e.g. it is a holiday home or rented out to tenants or it is used by paying guests
      • has ever been entered by flood waters
      • is showing signs, or has ever been effected by subsidence, heave or landslip
      • 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 over the phone by calling 0845 300 3525. Call charges.


      In addition, we cannot offer you an online quote if:

      • You or anyone living with you have ever been convicted of any criminal offence (other than motoring offences) or has any prosecutions pending
      • you or anyone 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, from 8am-5pm on Saturday and from and from 9am-4pm on Sunday. Call charges.

Retrieve a saved home insurance quote

Quote and buy Home insurance

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.

download pdf

Home insurance policy summary (PDF - 0.1Mb)

A summary of the cover available under The Co-operative home insurance.

Home insurance policy document (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.