Buildings Insurance

For peace of mind, get buildings cover with Ageas Home Insurance

Protect your home with comprehensive buildings insurance

Our Defaqto 5 Star rated buildings insurance provides cover for fire, flood or storm damage, leaking water, subsidence and theft. Let’s make it easy.

What's covered with Ageas Home Insurance

Events you're protected for as standard	Buildings cover	Contents cover
_{Defaqto Star rating}
_{Fire & earthquakes}
_Storm
_Flood
_{Leaking or freezing water & leaking oil}
_Theft
_Vandalism
_Riots
_Subsidence
_{Damage by moving objects}
_{Maximum sum insured}	_£1,000,000¹	_£100,000²
_{Alternative accommodation}	_£100,000	_£15,000
_{Replacement locks and keys}	_£1,500	_£1,500
_{Total valuables}		_{20% of max. sum insured}
_{Valuables in the home}
_{Single article limit for valuables}³		_£2,000
_{Mobile phones in the home}		_£2,000
_{Fridge/freezer food}
_{Garden cover}		_£1,000
_{Theft of outbuilding / garage contents}		_£3,000
_{Contents of outbuildings (other than theft)}		_£15,000
_{Bicycle cover in the home}		_{£2,000 per bike £5,000 total}
Optional covers you can select	Buildings cover	Contents cover
_{Personal Belongings}⁴		_Optional
_{Bicycle cover (away from home)}³		_Optional
_{Legal expenses}	_Optional	_Optional
_{Home Emergency}	_Optional	_Optional
_{Accidental damage}	_Optional	_Optional

_{1 This must be sufficient to rebuild the property if it were destroyed completely
2 Contents cover starts from £75,000}
_{3 Maximum any one item of personal belongings}
_{4 Personal Belonging items over £2,000 amount and £1,000 per mobile phone, can be specified individually.}

- Things like wear and tear, or storm damage to fences, gates, trees and hedges aren’t covered
- Usually, damage caused by wind speeds under 55mph isn't covered, but we know every situation is different. So even if the wind wasn’t quite 55 miles per hour, we might still look at the damage. If you’re unsure, feel free to get in touch to see if we can help
- Damage caused by wear and tear, which we class as damage or deterioration caused by general everyday use
- Breakdown of appliances
- Loss or damage caused by pets and vermin

For a full list of exclusions, check your Insurance Product Information Document and policy documents.

Get a home quote

YOU’LL GET EXCELLENT CUSTOMER SERVICE

We’re proud to be one of the UK’s largest insurers awarded an ICS ServiceMark with Distinction by The Institute of Customer Service, based on customer satisfaction and employee engagement. It’s your assurance of service you can trust when it matters the most.⁶

Find out more See all our awards

Make your buildings insurance go even further

Add to your cover with our options below

Home Emergency cover

For extra protection from those unexpected home emergencies including, boiler failure or burst pipes, damaged or broken external locks, doors or windows.

Home Emergency cover

Home Legal Expenses

Provides legal support for a wide range of issues including a property or boundary dispute, personal injury or clinical negligence, contract or employment dispute.

Home Legal Expenses

Need to change something on your home policy?

Did you know, you can add our optional extra’s part way through your policy term? To add more protection throughout the year, simply log in to your online account.

What do our experts say about buildings insurance?

Our Chief Claims Officer Stephen Linklater, talks subsidence and what to look out for; and the rise in extreme weather and how we use technology to help our customers with damage prevention.

Reducing the impact of subsidence through early detection

Staying ahead of the weather

Other types of home insurance cover

Buildings and contents cover

This covers damage to the structure, permanent fixtures and fittings of your property and outbuildings, such as walls, roofs, floors, bathroom suites and kitchen units.

Buildings and contents cover

Contents cover

This covers you for the loss of or damage to your possessions in events such as a fire, flood, or theft, while they are inside your home or outbuildings. This could include carpets, curtains, furniture, home appliances or electrical goods. Optional cover is also available for items used outside the home.

Contents cover

Buildings vs contents insurance

Alternative temporary accommodation
If your home can’t be lived in due to an insured event, for you, your family and pets who live with you, up to £100,000 (Contents covers up to £15,000)
Risks covered
These include where your buildings are damaged by fire, smoke, explosion, lightening, flooding or earthquake.
Repairs and replacements
You can relax – any repairs carried out by one of our partners come with at least a 12-month guarantee.
Tracing leaks and repairs
If a water or oil leak damages your home, then we will cover the cost to find the leak, and repairs to walls, floors & ceilings.¹

Valuables in the home
Single article limit for valuables £2000
Mobile phones
Our contents cover includes mobile phones in the home up to £2,000.
Bicycle cover in the home £2,000 per bike, £5,000 in total.
Garden cover up to £1,000
Brand new replacements
We’ll replace lost, stolen or damaged items with new ones of the same quality and spec, and not make deductions for wear and tear.
Fridge and freezer food
We’ll cover the cost of frozen and refrigerated food damaged due to a rise in temperature.
Shopping in transit cover
If something is lost, stolen or damaged on the way home from the shop where you bought it, we’ll cover you up to £500.

Terms and exclusions apply to the cover we provide. Please read our Insurance Product Information and policy documents

Get a home quote

We offer more than just home insurance

Car insurance

Join Ageas - one of the largest UK car insurers, over 4 million customers put their trust in us.

Find out more

Driving electric?

Ageas Car Insurance gives your electric car the extra protection it needs. Defaqto 5 Star rated, it covers your electric battery and charging cable, home EV charger point, and liability cover. For extra peace of mind if you run out of charge, just add our breakdown cover, powered by the RAC.

EV Car Insurance

Travel Insurance

Flexible cover for your next adventure.

Find out more

Van insurance

Defaqto 4 Star rated van insurance for that extra peace of mind.

Find out more

Ageas Home Insurance Policy

You can also check your Statement of Fact to review your cover, policy limits and excesses in more detail. You’ll find this in your online account or your policy confirmation email.

Home insurance help hub

Questions about buildings insurance

Buildings insurance is suitable for homeowners and should:

Protect the structure of your home from fire, flood or storm damage, leaking water, subsidence and theft
Cover damage to permanent fixtures and fittings of your property and outbuildings, such as walls, roofs, floors, bathroom suites and kitchen units
Cover the costs of repairing or rebuilding your home
Have options for payment, on a monthly or annual basis.

You can also buy a combined insurance policy: Buildings & Contents insurance

There are always exclusions to any insurance policy, so please check the details in full before selecting a home insurance policy.

What’s covered under your building insurance depends on the type of policy you have.It usually protects the structure of your home from fire, flood or storm damage, leaking water, subsidence and theft.

Ageas Buildings Insurance covers the cost of rebuilding your home up to £1,000,000, so it's easy to make sure you have enough cover. It includes things like:

Walls and roofs
Floors
Windows and doors
Permanent fixtures and fittings, like bathroom suites and kitchens
Some external structures, like garages and outbuildings.

Find out more about what’s including in buildings insurance cover

There are also optional types of cover that you can add to your buildings insurance policy, including things like Home Emergency cover and Legal Expenses cover.

No, buildings insurance isn’t a legal requirement however many mortgage providers require you to have a policy.

You can buy a buildings insurance policy online directly through an insurance company or using the price comparison websites.

If you would like to see how Ageas could help with your buildings or contents insurance, take a look at our policy booklets or get a quote for your home insurance online today.

It can often be cheaper to buy buildings and contents insurance policies together. This can also be an easier option when managing your policies.

Read our related article: What can affect the cost of home insurance?

Home insurance is a combination of buildings and contents.

Buildings insurance is one element of home insurance which covers the structure of the property and any permanent fixtures.

Contents insurance covers you for the loss of or damage to your possessions in your home.

See summary of buildings vs contents insurance above.

The age can impact your home insurance cost as older homes can often be more expensive to insure due to structural issues for example.

There are many factors that affect your home insurance rate, read our article: What can affect the cost of home insurance?

Other related articles: When was my house built?

If you want to protect your unoccupied buildings from fire, flood or storm damage, leaking water, subsidence and theft you will need buildings insurance.

A few examples of what might not be covered by buildings insurance are:

Hot tub covers
Swimming pools
Gates and fences
Windspeed under 55mph
Pre-existing damage, contents, general wear and tear aren’t usually covered by buildings insurance.

Find out more about what’s excluded from buildings insurance

View home policy documents

Questions about your policy

You can easily make changes to your buildings insurance policy in your online account.

There's no £20 admin fee when you make a change to your policy online. Your online account is the quick and easy way to manage your insurance.
If you make a change via phone, email, post or Live Chat, there’s a £20 admin fee.
Remember, changes to your buildings insurance policy or endorsements can lead to your premium cost going up or down for the rest of your policy term.

Don’t have an online account? It's simple to set one up, get started.

Visit the Help hub for Help with making changes

There are a few ways to get in touch when you need us

You can speak to a member of our Live Chat team via our Virtual Assistant or if you’d prefer to talk to someone on the phone, please call us.

Lines are open 8.30am - 6.00pm Monday to Friday and 8.30am - 4.00pm on Saturdays.
Alternatively, use our Contact us form - to send us a message anytime and we’ll get back to you as soon as we can.

For help with your policy, visit the Help hub

We’re committed to making your insurance renewal as simple as possible. So we don’t offer discounts, because the price you’ve received is the best price we can offer based on your current cover and the details we hold at this moment in time.

Read: A guide to your home insurance renewal quote

As your insurer, we're here to help make claims as easy as possible and will be here for you every step of the way.

Before you start, it’s best to check your excess and your cover level – in your Statement of Fact or online confirmation email.

Make and manage your claim online 24/7
Award-winning UK-based claims service⁵
24/7 UK emergency claims helpline

Check our guide to making a buildings insurance claim

Visit our help hub to see more questions about our claims process

^{[5] Ageas Insurance Ltd won Gold in the ‘Excellence in Claims Technology’ category at the Insurance Times Awards 2024.}

The cost of buildings insurance depends on many factors, such as location, how old the property is the size, the security and the level of buildings insurance you choose.

Read our related article: home insurance renewal quotes explained.

For help with your policy, visit the Help hub

Get a home quote