Buildings Insurance
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INTRODUCTION
What is Buildings Insurance?
Landlord Block Insurance is a specialist policy created for landlords who own an entire residential building containing multiple flats or apartments.
Unlike standard landlord insurance, which generally covers a single rental property, a block policy protects the whole building under one insurance arrangement. This provides a practical and cost-effective solution for landlords managing larger residential investments.
Whether your building contains a handful of flats or hundreds of units, specialist cover helps protect both the property and your financial interests.
Who Needs This
What Does Buildings Insurance Cover?
COVERAGE
Who Needs Buildings Insurance?
Why Buildings Insurance is Important
Unexpected events can cause significant structural damage to a property, resulting in substantial repair or rebuilding costs.
Common risks include:
- Fire and smoke damage
- Flooding
- Storm damage
- Escape of water
- Subsidence
- Impact damage
- Vandalism (where covered)
Without adequate Buildings Insurance, property owners may face considerable financial costs to restore or rebuild their property.
A specialist policy helps provide peace of mind by ensuring your building is protected against a range of insured risks.
What is Included in the Building?
Buildings Insurance generally covers permanent parts of the property, including:
- Roofs and chimneys
- External and internal walls
- Floors and ceilings
- Foundations
- Built-in kitchens and bathrooms
- Plumbing and pipework
- Central heating systems
- Permanent electrical installations
- Garages and permanent outbuildings
- Boundary walls and fences
The exact definition of the building may vary between insurers, so it’s important to choose cover that’s appropriate for your property.
Choosing the Right Level of Cover
The amount of Buildings Insurance you need is usually based on the cost of rebuilding your property rather than its market value.
Factors that may influence the level of cover include:
- Rebuild cost
- Property size
- Construction type
- Age of the building
- Listed status
- Location
- Occupancy
- Specialist features or materials
Accurate rebuild valuations help ensure your property is neither underinsured nor overinsured.
Types of Properties We Cover
We arrange Buildings Insurance for a wide variety of properties, including:
Whether your property is occupied, rented, managed, or temporarily vacant, we’ll help you compare suitable insurance solutions.
HOW WE ARE DIFFERENT
Why Choose Compare Property Insurance?
At Compare Property Insurance, we specialise in helping property owners compare Buildings Insurance from leading UK insurers.
Frequently Asked Questions
Buildings Insurance protects the permanent structure of a property, including walls, roofs, foundations, and fixed fixtures, against insured events such as fire, flood, storm damage, and subsidence.
No. Buildings Insurance covers the structure of the property, while Contents Insurance protects personal belongings and movable items inside the building.
Cover should normally reflect the property’s rebuild cost rather than its market value. A rebuild valuation helps ensure you have the appropriate level of protection.
Although not always a legal requirement, most mortgage lenders require landlords to have suitable Buildings Insurance. It is also an important safeguard for protecting rental properties.
Get a Free Buildings Insurance Quote
Whether you own a residential property, apartment block, buy-to-let investment, or commercial building, we’ll help you compare specialist Buildings Insurance from leading UK insurers.
Speak with our experienced team today and arrange tailored cover designed to protect your property’s structure, your investment, and your long-term financial security.