Buildings insurance may provide cover for the physical structure of your home. Most building insurance policies cover not only the structure of your house but also the fixtures and fittings that cannot normally be removed.

Buildings insurance differs from contents isurance because contents insurance covers the possessions in your house that can be removed such as televisions and carpets. Depending on your requirements, it is often important to purchase both contents and building insurance so that both your belongings and investment in your property are adequately insured.

An important point to consider when deciding on the buildings cover that you require, is that the insured amount should provide for the rebuilding of the property and not neccesarily the market value. Paying premiums for the market value of your property could mean that you are paying too much for your insurance as the market value of a house often far exceeds the cost of rebuilding the property.

Building insurance policies may provide different levels of cover such as paying for alternative accomodation should you need to vacate your house as part of your claim and can also cover accidental damage to fixtures and fittings such as mirrors and broken windows.

A number of UK building insurance companies are listed on this page creating a convenient way for you to compare the great deals on offer.