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Online Building Insurance UK Residential home buildings insurance Modern policy wordings in plain English Advisors waiting to assist you (not a call centre) Combined Buildings, Contents & All Risks Available High Sums insured catered for High Net Worth Individuals We can quote for almost any occupation "Unusual" Risks catered for
Online Building Insurance - What is Covered?  Introduction - although all online Buildings Contents Policies are unique, they all follow a similar list of perils that are covered. To a certain extent this is covered by the Council of Mortgage Lenders requirements to have a certain variety of perils in force. Insurers know that if they do not offer a wide enough range of perils then loans will not be able to be secured on property and thus their policy will be acceptable.   Perils - as mentioned above all insurers policies are unique in certain ways, but the following is a fairly typical list of covers:- Fire, explosion, lightning, earthquake, impact by aircraft, road vehicle or animal Theft or attempted theft, falling aerials, oil leaking from a central heating system Riot and civil commotion. Storm, tempest, flood Escape of water from dishwashers, washing machines etc Subsidence, landslip or heave Accidental Damage to underground water, oil, gas or sewage and drain pipes and to underground telephone or communication cables Breakage of fixed glass in windows, doors & roofs & greenhouses Breakage of glass and sanitary fittings including accidental damag Architects and Surveyors Fees - this refers to reasonable fees incurred during repairs following damage covered by the policy. It does not include the cost of preparing your claim. The cost of demolition, removing debris or shoring up following damage insured under the insurance policy. Loss of Rent, you lose rent because your building cannot be let out following a claim than you will be entitled to compensation. This is usually expressed as a percentage of the sum insured 20% is fairly typical. Alternative Accommodation - the cost of reasonable accommodation is covered if you are unable to live in your property following an insured event. 20% of the sum insured is the usual amount. This cover is usually for a 12 month period, if you have special needs (perhaps your building is listed) you should investigate the possibility of having this cover extended for a longer period. Property Owners Liability - This sections of the policy covers your liability as owner of the Property and more information see our section on Liabilities. Accidental Damage - This is not a standard peril insured under a Buildings policy but you can usually add it for an additional sum of money. Sometimes, depending on your circumstances, it may not be possible to obtain the full selection of perils, your property may be in a Flood area and most insurers will be reluctant to provide you with cover. Not Usually Covered - as per usual most home building insurance policies come with a standard set of exclusions, these should be studies most carefully. The following are typical examples of what is not covered by a building insurance policy:- Wear and tear, damage caused by lack of maintenance or faulty design, materials or construction. ( if you home has been built within the last 10 years it will have a National House Building Guarantee) Rot, Vermin, Insects, Fungus, Corrosion Certain covers if the property is left unoccupied for a length of time ( usually 30 days and the perils of Escape of Water, Theft & Malicious Damage) Damage caused by subsidence or heave to walls swimming pools and similar items unless the house or outbuildings are damaged at the same time Coastal Erosion Electrical nor Mechanical Breakdown War, civil war, rebellion and revolution Terrorism Sonic Boom Radioactive contamination The above list is of a general nature and you should always refer to our policy document for full details of exclusions.   back to top     Copyright Assetsure Limited 2007