4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
Buildings insurance covers the structure of your property, from walls and roof to fixed features, against damage from fire, flooding, storms and subsidence.
Rated 4.97 out of 5 from 2,400+ reviews
Buildings insurance protects the physical structure of your property and is required by mortgage lenders, covering rebuild costs in the event of fire, flood, storm, subsidence and other insured perils – and must be set at the true rebuild cost rather than market value to avoid underinsurance. Private Finance arranges buildings insurance for residential homeowners, landlords and high-value properties, with access to specialist insurers who can provide the depth of cover, loss of rent provisions and bespoke rebuild valuations that standard policies and comparison sites cannot match.
Building insurance – more precisely referred to as buildings insurance – protects the physical structure of your property. This encompasses the walls, roof, floors, ceilings, windows, doors and permanently fixed fixtures such as kitchens and bathrooms. In the event of structural damage caused by fire, flooding, storm, subsidence or other insured perils, your policy covers the cost of repairing or, in severe cases, fully rebuilding the property.
It is important to understand that buildings insurance and contents insurance serve distinct purposes. Buildings insurance covers the fabric of the building itself, while contents insurance covers the moveable possessions inside it. Most homeowners require both, and Private Finance can arrange either or both as part of a coordinated protection strategy.
Mortgage lenders require buildings insurance to be in place as a condition of any loan secured against a residential or investment property. Their interest is in protecting the asset that underpins the mortgage, but the importance of this cover extends considerably further than regulatory compliance.
Structural damage to a property can result in significant repair costs, prolonged displacement from the home and, in the most severe circumstances, total loss of the building itself. The most suitable policy can help ensure that these outcomes do not result in significant financial hardship, subject to the policy terms, conditions and level of cover selected.
For landlords, buildings insurance also plays a critical role in protecting rental income. Many specialist policies include provision for loss of rent if the property becomes uninhabitable as a result of an insured event, helping to maintain cash flow while repairs are carried out.
From walls and roofs to permanent fixtures, your policy covers full reconstruction costs - not just superficial repairs - following fire, flood or storm damage.
Bespoke policies for premium homes, listed buildings and non-standard construction - accounting for specialist materials, skilled craftsmen and realistic rebuild timescales.
Buildings cover designed for investment properties, including loss of rent provisions to maintain cash flow while your property is repaired and restored.
We help establish an accurate sum insured based on true rebuild cost - not market value - protecting you from underinsurance and proportionally reduced claim payouts.
Standard buildings insurance policies are generally not designed with premium properties in mind. For larger homes, architecturally significant buildings, listed properties, bespoke new builds or properties constructed from non-standard materials, a specialist high-value policy is essential. These policies account for elevated rebuild costs, the use of specialist craftsmen and materials, and the extended timescales that complex reconstruction projects can require.
High-value buildings insurance also typically includes more generous provisions for alternative accommodation, ensuring that you and your family – or your tenants – are suitably housed for as long as the rebuild takes. At Private Finance, we have access to insurers who understand this market and can provide cover that genuinely reflects what it would cost to restore your property to its original standard.
One of the most common errors in buildings insurance is insuring a property based on its market value rather than its rebuild cost. These are two very different figures.
For many properties – particularly older, larger or architecturally unusual ones – the rebuild cost may be significantly higher than the current market value.
Private Finance helps clients establish accurate rebuild cost assessments, working to ensure that the sum insured on their policy reflects reality rather than assumption.
A comprehensive buildings insurance policy will generally cover the repair or reconstruction of structural elements including walls, floors, roofs and load-bearing structures. Permanent fixtures such as fitted kitchens, bathrooms and built-in storage are included, as is damage to outbuildings, garages and boundary walls in many cases, subject to the specific policy terms.
Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.
Buildings insurance covers the physical structure of your property — walls, roof, floors and permanent fixtures — while contents insurance covers the moveable possessions inside it. Most homeowners need both, and Private Finance can arrange either or both as part of a coordinated insurance strategy.
Whatever your situation, our expert protection team can advise on suitable cover for your needs. We specialise in complex and bespoke insurance solutions to help you find a policy that matches your circumstances.
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