Home Insurance options

Core Buildings

£1million as standard

Includes your walls, roof, windows and anything else that forms part of the structure of your home, such as fixtures and fittings like your kitchen and bathroom.

Cover for garages, outbuildings and other structures, such as drives and patios.


The types of incidents that are covered are:

  • Damage by fire
  • Flood
  • Storm
  • Theft or attempted theft
  • Escape of water and other similar causes

Key Features:

  • £5,000 of cover for finding a leak (also known as trace and access), for example – the cost of removing and replacing the flooring to trace and access a leaking water pipe.
  • £50,000 of cover for Alternative Accommodation in case the family including pets cannot live in the home whilst it is being repaired as a result of damage
  • Cover for the buyer of the home between exchange of contracts and completion, provided the buyer hasn’t already arranged their own insurance, up to the Buildings sum insured.
  • Accidental damage to the locks and loss of the keys to the outside doors of the home, or to safes or alarms in the home, up to the Buildings sum insured.
  • Damage caused by emergency services (i.e. fire, police, ambulance) to the buildings whilst getting into the home to deal with an emergency, for example – the Police having to break down the front door to deal with a medical emergency inside. This is up to the Buildings sum insured.

Key Exclusions:

  • Damage caused by normal use or ageing, or lack of maintenance, for example – damp on the walls caused by rusted guttering or rotten window frames.