Home Options - Buildings Cover

At a glance

  • No interest charged for paying monthly by Direct Debit.
  • Insurance can be tailored to your needs.
  • You’ll get the best online price returned from our panel of leading insurers.
  • Don't forget that if you buy a combined buildings and contents policy you get £50 cashback after you’ve held your policy for 70 days and paid your first premium. Conditions apply.

What’s covered

As well as the usual things covered like theft, fire, flood and earthquakes we’ll give you a range of benefits as standard:

  • Alternative accommodation costs and/or loss of rent, up to 20% of your building’s sum insured if your home is made uninhabitable by an insured event.
  • Any necessary costs for architects’ and surveyors’ fees following damage to the buildings by an insured event up to the sum insured.
  • Accidental breakage of ceramic hobs in fixed appliances, sanitary ware (like baths) and fixed glass (including solar panels) in your home.
  • Escape of water from, or the freezing of, fixed domestic water installations, or escape of oil from fixed domestic oil heating installations.

We will pay either the cost of repair, or the cost of replacement.

Theft or attempted theft As standard
Flooding, fires, smoke, explosions, storm, lightning or earthquakes As standard
Subsidence and/or heave of the site on which your home stands. There is a £1,000 excess on subsidence claims As standard
Escape of water from, or the freezing of, fixed domestic water installations, or escape of oil from fixed domestic oil heating installations As standard
Impact by aircraft or other aerial device, or anything dropped from them, or by any vehicle, train, animal, falling tree or branch or any falling aerial, satellite dish or mast As standard
Malicious damage or vandalism As standard
Any necessary costs for architects’ and surveyors’ fees following damage to the buildings by an insured event Up to the sum insured
24-hour home emergency cover and helpline Optional – find out more
Alternative accommodation costs for you and your domestic pets if your home cannot be lived in following an event covered by your policy Up to 20%
of sum insured
Accidental breakage of ceramic hobs in fixed appliances, sanitary ware (like baths) and fixed glass (like windows) As standard
Other accidental damage – for example, DIY damage Optional

If you choose to add any of the optional extras to your policy you will have to pay a small additional premium for each one.

For full details of terms and conditions, check the policy documents.

Get combined buildings and contents cover with a £50 cashback offer. Conditions apply.

Getting a quote is simple.

You’ll need to have these things to hand:

  • Address of the property you want to insure
  • Date when your current insurance runs out
  • Approximate year the property was built
  • Details of your home insurance claims history

Read the full policy details in the Home Options Buildings Insurance Policy Documents.

You may get two different policy documents from two different underwriters if you buy combined Buildings and Contents insurance.

Need help?

To speak to one of our home insurance advisers call 0800 056 3040.For more detail on our insurance products, try our Online Assistant.

Get a quote

Getting an online quote for Home Options Buildings Insurance is easy.

    Need help?

    To speak to one of our home insurance advisers call 0800 056 3040.

    For more detail on our insurance products, try our Online Assistant.

      Make a claim

      Find out how to make a claim on your home insurance.

      Policy documents