Buildings insurance also know as bricks and mortar cover, is as you would expect insurance for your homes structure. In basic terms it provides cover for the external structure of your property against damage from the standard perils including fire, explosion, lightning, subsidence, heave, landslip, flooding and vandalism.

All UK buildings insurance policies are different. It is worth making sure you fully understand what is and is not covered and what is excluded from your cover. As well as the structure of your property, buildings insurance usually provides cover for permanent fixtures such as glass and ceramic fittings including windows, toilets and baths.

In addition to providing cover for disaster, UK buildings insurance can also provide in some cases, protection from loss of rent if you are a landlord and liability if you are the owner. Some UK buildings insurance policies also over additional cover including legal services which can provide you with the security of legal assistance in the event that it is required.