What is an online home buildings cover policy?

An online home buildings cover policy provides customers in the UK with the buildings insurance element of their home insurance policy, and is one of the most important types of insurance policy you can take out.

A typical home insurance policy will be made up of many different types of insurance, with contents cover, buildings cover, boiler cover and appliances warranties all common as parts of the policy. The parts of a policy a customer will need largely depends on the type of residential status a customer has. Those who rent their home will not need online home buildings cover policy because they will not be responsible for insuring the structure of their home. This responsibility instead falls to the landlord.

Customers who own their own home will be responsible for the structure of their home and will need an online home buildings cover policy, and should not live without one.

How does an online home buildings cover policy protect me?

An online home buildings cover policy protects customers against damage to the structure of their home, as a result of fire, theft, vandalism, water damage, storm damage and flooding. The structure of the home includes the walls, roof, floorboards and windows and doors, but does not include and furnishings or carpets. The online home buildings cover policy also protects a customer against damage to any external buildings they may have, including the shed and garage, and will also insure any external gates, walls, fences and doors around the property. Most of the things you would find in a home are protected by a customer’s contents insurance, but built in structures are insured by an online home buildings cover policy. These structures include any built in wardrobes, kitchen units and worktops as well as bathroom suites.

Your online home buildings cover policy will pay for the repair or rebuilding of your home, and will also pay for alternate accommodation for you whilst your home is inhabitable, making sure you are not left out of pocket by the whole experience. Customers responsible for the contents of their home should pair their online home buildings cover policy with a contents insurance policy.

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