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Buildings 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 cover it against damage with buildings insurance.

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Safeguarding 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.





  Home Insurance Defaqto Award 5 Star Defaqto
Home Insurance Defaqto Award 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

Additional Accidental Damage

Covers for damage that is unexpected and unintended, caused by something sudden and which is not deliberate.

Not included, but available as an optional add-on to your policy Included

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

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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.