Buildings insurance

Defaqto 5 Star rated buildings insurance*

*Home and Home Plus only

Get a home quoteYour saved home quote

What is buildings insurance? 

Buildings insurance provides essential financial protection for the structure of your home. This includes cover for damage to your walls, windows, roof fixtures and fittings. Buildings insurance can help with the cost of repairs or the rebuild of your property due to flooding, fires and theft. 

More about LV= buildings insurance


What affects the cost of my buildings insurance?

  • The materials your home is built from
    The way your property was built and the materials it’s made from can impact your premium.
  • The area you live in
    If your home is in an area prone to flooding, you could be more likely to make a claim.
  • How secure your home is
    If you have any security features on your property, this could impact your home insurance in a positive way.
  • What type of building your home is
    The more rooms or bedrooms in your property, the more it would cost to re-build your home or replace your belongings.
  • Any government initiatives
    Government changes can sometimes effect your home insurance price. For example, the Flood Re scheme, introduced in 2016, is designed to help people living in flood-risk areas.
  • How much repair and labour could cost
    Hi-tech home items can increase the cost of home insurance as they’re expensive to replace or repair.
  • The amount of claims you’ve made
    If the number of claims goes up, due to extreme weather events for example, the costs to insure your home could go up.
  • The likelihood and impact of severe weather
    We look at the likelihood of severe weather conditions in the future and how many of our customers might be affected.

Tell me more about how my premium is worked out

What will I need to get a buildings insurance quote?

  • A bit about you, like your date of birth, phone number and email address
  • Details of any home insurance claims made by you or anyone living with you in the last five years 
  • Details of any unspent non-motoring convictions you or anyone living with you have had
  • If you want to add a joint policyholder, we'll need some info about them too

Do I need buildings insurance?

If you own your home, you should have buildings insurance. Why? Well, buildings insurance provides essential financial protection for the structure of your property. This includes cover for things like walls, windows, roof, and even fixtures and fittings, such as your bath or toilet. The kind of scenarios covered include damage caused by flooding, fires and theft. Buildings insurance can help recover the cost of repairs to, or the rebuild of your home. When you purchased your home, you may have been encouraged to get buildings insurance for your mortgage.

What's the difference between building and contents insurance?

Home insurance usually covers two aspects of your property – the structure itself (known as buildings insurance) and the things in it (known as contents insurance). 

A good way to remember the difference is to think about this scenario: if you were to tip your house upside down, anything that hits the ceiling would be classed as contents. Furniture, jewellery, electronics, furnishings and everything in between. When it comes to insuring your contents, it’s best to have a good idea of how much everything is worth before you start your quote. To do this, just head to our contents calculator to work out what’s what.

As for everything else – structural walls, floors, roofing, fitted units and so on – these elements would come under buildings cover.
Do I need buildings and contents insurance?

Some things work better together, and having both buildings and contents cover with one insurer can make life so much easier. Having both products with us means that if you need to claim, you only have to deal with one company which can speed up the process, plus there’s only one excess to pay. After all, there's no need to make things more complicated.

Take a look at our other home insurance products...

Home insurance

Home insurance with us could be cheaper than you think. So, whether you choose our Essentials, Home or Home Plus product, we'll protect your sanctuary and your stuff. You'll also have access to our 24-hour helpline.

Contents insurance

Only need to protect your stuff? We've got it all covered. We'll even cover you for accidental damage... these things happen! Oh, and you'll be covered for lost or stolen keys, too.

Tenants insurance

Are you renting your home? Your landlord is only responsible for the building itself and any fixtures in it, so you'll need cover for anything you'd take with you if you moved out. We can help you there!

Add our home insurance to your prized possessions

Our awards and recognition

Now sit back, relax and start your home quote