Buildings insurance provides protection against damage to your property. It covers the cost of repair in the event of an accident or disaster for the structure of your building and any permanent fixtures or fittings that cannot be removed. Some policies will also cover outbuildings such as garages and sheds.
If you want to protect your home, then please speak to one of our friendly advisors. We have over 30 years of experience at helping families and households find the right level of cover to protect against the costs of unexpected damage.
"Highly professional but also personal - they guided us all the way from start to finish. Fantastic service".
Who needs buildings insurance?
Mortgage lenders will often stipulate that buildings insurance is mandatory for any homeowner, this is to protect their financial interest in your property. However, buildings insurance is a valuable safeguard that protects millions of households each year from devastating events, so we always recommend finding cover for your home.
If your home is damaged, then you want the peace of mind to know you can afford to fix it, for help finding out how much it would cost to protect your home, get a quote from us today.
What does buildings insurance cover?
Buildings insurance covers your property from natural disasters such as storms and flooding, as well as unforeseen accidents such as fire. However, claims cannot be made for issues caused by wear and tear. Some providers will also cover the cost of alternative accommodation whilst your repairs are being carried out. Most insurers provide a wide range of cover, but it is always best to check your policy before you sign to make sure you have the right cover for you.
If you are looking for buildings insurance cover, speak to one of our advisors today. We can help you protect your home.
"I can't thank Jen and Alison enough for all of their help, advice and expertise in the most challenging of times".
How much should I insure?
You’ll need to insure for what’s called the ‘rebuild cost,’ which is the amount of money you would need to completely rebuild your home from scratch should disaster strike. This isn’t the same as your home’s market value and can sometimes be less. This is because the market value includes factors such as location, local amenities and supply and demand and not just the cost of the structural property.
We used Property Link Homes whilst buying our first house for our mortgage, building and life insurance purchases. We couldn't thank or recommend them enough for all the work they did for us and how effortless the processes that they were involved in went.
Beyond helpful
We couldn't thanks Alison enough for her help and advice on getting our mortgage which turned out to be quite difficult and stressful. Alison was beyond helpful during a stressful time. Many thanks Jo
Faultless
I used Property Link Homes for my mortgage whilst buying my first home. As a first time buyer their service was faultless, they reassured me every step of the way and made the whole experience pleasurable rather than stressful.
Easy & Smooth
I recently completed on my re mortgage which was sourced for me by Property Link Homes. The team were all great in particular Alison, Jen & Vicky. Thank you so much for making the process very easy & smooth especially when I’ve been busy with my newborn baby.
Effortless
We used Property Link Homes whilst buying our first house for our mortgage, building and life insurance purchases. We couldn't thank or recommend them enough for all the work they did for us and how effortless the processes that they were involved in went.
Beyond helpful
We couldn't thanks Alison enough for her help and advice on getting our mortgage which turned out to be quite difficult and stressful. Alison was beyond helpful during a stressful time. Many thanks Jo
Faultless
I used Property Link Homes for my mortgage whilst buying my first home. As a first time buyer their service was faultless, they reassured me every step of the way and made the whole experience pleasurable rather than stressful.
Easy & Smooth
I recently completed on my re mortgage which was sourced for me by Property Link Homes. The team were all great in particular Alison, Jen & Vicky. Thank you so much for making the process very easy & smooth especially when I’ve been busy with my newborn baby.
Effortless
We used Property Link Homes whilst buying our first house for our mortgage, building and life insurance purchases. We couldn't thank or recommend them enough for all the work they did for us and how effortless the processes that they were involved in went.
Beyond helpful
We couldn't thanks Alison enough for her help and advice on getting our mortgage which turned out to be quite difficult and stressful. Alison was beyond helpful during a stressful time. Many thanks Jo
Faultless
I used Property Link Homes for my mortgage whilst buying my first home. As a first time buyer their service was faultless, they reassured me every step of the way and made the whole experience pleasurable rather than stressful.
Easy & Smooth
I recently completed on my re mortgage which was sourced for me by Property Link Homes. The team were all great in particular Alison, Jen & Vicky. Thank you so much for making the process very easy & smooth especially when I’ve been busy with my newborn baby.
Frequently Asked Questions
Yes. Buildings insurance is a mandatory requirement of any mortgage agreement, however, you do not have to purchase the policy with your mortgage provider, it can be purchased separately.
The fixed items such as a bathroom suite or a fitted kitchen are usually covered under buildings insurance. This is because they are permanent fixtures to your property. If you have any questions on what else is covered under buildings insurance, please get in touch with us.
No. Your freeholder is responsible for purchasing buildings insurance. Although you should always check your lease terms to make sure you know what you are responsible for and we would always recommend purchasing contents insurance.
Yes. Although you may need to get a property surveyor to work out the cost of the structure in order to insure your building for the correct amount. Here at Property Link Homes we pride ourselves on helping homeowners with non-standard properties, so please get in touch if you need help.
Potentially yes, as brokers we can negotiate with insurers, which enables us to discuss the risk with a human rather than a computer making the decision based on your postcode.
Buildings insurance does not cover everyday wear and tear or general maintenance costs.
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Expert Advice
Established for 30 years, we are backed by the experience and understanding that helps our clients to make an informed decision on a range of great deals.
Lifestyle Protection
We want to help protect you and your loved ones should the unexpected happen. Our range of insurance options can give you peace of mind and financial safety, with broker exclusives not available through comparison sites or the high street if you buy through us.
Friendly Support
All our clients will have our team of dedicated advisors to help them through every step of the way, from the mortgage application to getting the keys to your new home. We want you to enjoy the excitement of moving and aim to make your experience as stress-free as possible.
Why choose Property Link Homes?
We know buying a house can feel overwhelming, but with our friendly and approachable advisors, we provide a stress-free process from start to finish, specifically tailored to your requirements.
With our wide range of personal and professional services, combined with our support and expert knowledge, we can help you find the mortgage deal or protection cover that is right for you.
Property Link Homes Ltd is Registered in England & Wales, Company Number 05234968. Registered Office address: 10-10A North Street, Ripon, North Yorkshire, HG4 1JY.
Authorised and regulated by the Financial Conduct Authority. Property Link Homes Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 429765.
The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.
If you wish to register a complaint, please write to [email protected] or telephone 01765 360061 A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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