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Building Insurance

There’s a lot that can happen to a building, and not all of it is visible to the naked eye. The house you live in is there to protect you and keep you comfortable and safe. So you can protect it against damage with buildings insurance.

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Protecting the structure of your home


It might be uncomfortable to think about, but the damage that subsidence, a flood, a fire or even a slow water leak can do to a building can be devastating*. Buildings Insurance is there to make sure that if these events occur – whether minor or serious – you have help and protection.


*Subsidence, flood and escape of water all have a higher compulsory excess that is payable in the event of a claim.


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What does Building Insurance cover?

In short, Buildings Insurance looks after the bricks-and-mortar element of your home. That’s the physical structure of the building; or anything you couldn’t remove without significant effort or changing the features of the property.


  • Walls
  • Doors
  • Windows
  • Roofs
  • Floors
  • Fitted Kitchens/Bathroom Suites
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Levels of cover

We have two different cover levels to suit your needs. For full details of what's covered and what’s not covered read our policy booklet and for more information read our Home Insurance policy terms and conditions.





  Post Office 4 Star Defaqto
Post Office 5 Star Defaqto

Buildings Insurance

Buildings sum insured

The maximum amount you can claim for

Up to £1,000,000 Up to £1,000,000

Rent and alternative accommadation

Cost of somewhere to stay if your home cannot be lived in

Up to £200,000 Unlimited

Replacement locks and keys

Covering the cost of locksmith charges or replacement keys if they are lost, stolen or damaged

Up to £1,000 Up to buildings sum insured

Acquired Disability

If you become permanently physically disabled during your policy we cover changes to your home

Not Included Up to £10,000

Trace and access

Finding and fixing the source of a leak can disrupt a lot of your house, but we'll cover the cost

Up to £5,000 Up to buildings sum insured
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Buildings vs Contents

Buildings Insurance

  • Covers the permanent features of the building
  • Covers against, flooding, leaking water, theft and attempted theft, subsidence or malicious damage to the fabric of the building*
  • Covers the value of the property - up to £1,000,000

Contents Insurance

  • Covers the items inside which aren’t a part of the building’s structure
  • Covers your contents against the same perils as buildings, as well as theft of possessions
  • Covers the cumulative value of your contents – up to £100,000 for Gold policies and £80,000 for Silver policies
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Buildings Insurance FAQs

Do I have to have buildings insurance?

You would only ever need to have buildings insurance if you own (or are planning to own) a property and you are looking to protect it. This includes part ownership schemes such as Help to Buy. If you are renting a property, you do not need buildings insurance. 

There isn’t a legal obligation for homeowners to have buildings insurance, but mortgage lenders may make buildings insurance a condition of lending you money. It is also a good idea in its own right, as without buildings insurance, anything that happens to your house would have to be paid out of your own pocket. And, while it’s not nice to think about, this could potentially include the cost of a rebuild – something that is out of most people’s means.

Do I need buildings insurance if I own a flat?

Typically, buying a flat involves becoming part of a business or group of leaseholders who collectively own the building. Alternatively a management company might look after the administration of the building, including the buildings insurance.

Depending on the nature of the building as a whole, you may be able to decide with the other leaseholders which insurer to use and what the policy covers. However, in bigger buildings, it’s likely that the business that owns the property as a whole will arrange the buildings cover and you will contribute to the overall monthly premium.

This won’t be the same for everyone, and so it’s important you understand from the owners of the building as a whole whether your property is covered on a catch-all buildings insurance policy.

This type of arrangement is unlikely to extend to contents insurance, which will be up to you to arrange.

What about buildings insurance for new-build homes?

Whatever the age or type of property you live in, if you own it, you will need to get buildings insurance if you want it to be protected.

This is the case for part-ownership schemes as well, like Help to Buy. Any time that you engage a mortgage lender to become a homeowner, you are very likely to need to have buildings insurance in order to qualify.

New-builds by their nature have not been lived in before, so you may encounter problems that couldn’t have been foreseen. This is one reason why buildings insurance can be important.

What isn’t covered by buildings insurance?

By its nature, buildings cover doesn’t cover contents.

Accidental damage – i.e. damage that you or someone in your house does to your property unintentionally – is not covered as standard and can be purchased as an add-on for Silver policies. With Gold policies, Accidental Damage comes as standard.

Some elements of wear and tear, like pipes that burst due to age and natural corrosion, may not be covered as standard. It’s important if you live in an old property to make sure that you are covered for things that could go wrong as a result of the property’s age.

There may be other exclusions that are due to your personal circumstances (for instance, if you or someone in your property smokes), so answer everything accurately when getting a quote to get the most representative figure.

Check your Insurance Product Information Document (IPID) or Policy Summary for details to ensure the policy suits your needs.

What do I need in order to get a quote?

If you’ve had a survey done then there may be items on it that we will ask about in the quote journey. So it can be helpful to have your survey results to hand.

We’ll also need to know if you’ve done, are doing or plan to do any significant renovation or building work.

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Get a quote


Its quick and easy to get a quote online today

Call us on 0333 44 39 848**

We are available; Mon-Fri 8am-8pm, Sat 9am-5pm and Sun 10am-4pm


*Subsidence, flood and escape of water all have a higher compulsory excess that is payable in the event of a claim.

**Calls to 03 numbers will cost no more than calling a standard geographic number starting with 01 or 02 from your fixed line or mobile and may be included in your call package dependent on your service provider. Calls may be monitored or recorded for training and compliance purposes.


Small print

Post Office Management Services Limited is authorised and regulated by the Financial Conduct Authority, and is registered in England and Wales. Our financial services registered number is 630318. The registered office for Post Office Management Services Limited is Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Our Registered Number is 08459718.