Buildings Insurance What is Buildings Insurance?
With our great value 1st Central Buildings Insurance you get protection for your home.
What is Buildings Insurance?
Buildings Insurance covers the physical structure of your home such as walls and roofs from unexpected events like storms, floods and fire damage to ensure your home is covered.
Need more coverage than just Buildings Insurance?
or our most complete package, check out what’s covered under our Buildings and Contents Insurance.
Buildings cover
Buildings cover ranging from £500,000 to Unlimited.
Structural damage or loss
This includes loss or damage to the structure of your home.
Alternative accommodation
If your home is unliveable following insured damage, we’ll provide alternative accommodation, so you can sleep easy.
Underground services
This means we cover accidental damage to the mains services, such as underground pipes.
Leak cover
We’ll cover the cost of finding a leaking pipe which is causing damage to your building.
Locks and keys
If your external door or safe keys are lost or stolen, we’ll cover the cost of replacing the locks.
Emergency access
Covers damage caused by emergency services when gaining access to your home or garden due to a medical emergency.
Site clearance and fees
Covers demolition, site clearance, and professional fees (e.g. architects, surveyors) after an insured event.
How it works
Get a quote
Follow the online link below.
Choose coverage
We have a range of cover to suit your needs.
Add optional extras
If you want enhanced cover, you’ll be able to add this along the way.
Optional Extras to Enhance Your Policy
We understand how important your home is to you. That’s why we offer a range of optional extras to tailor your home insurance to your needs. These add-ons provide extra peace of mind and essential support when the unexpected happens, helping you get back to normal quickly.
Answers to important questions
Is my property covered for subsidence?
Your property is covered in the event of subsidence during the term of the insurance. Please see your policy documents in Your Account for more details on the cover limits and terms.
If the property has previously experienced subsidence or if you have an ongoing subsidence claim with another insurer, we are unable to provide an insurance policy for you.
Is my property covered for flooding?
Your property is covered in the event of a flood. Please see your policy documents in Your Account for more details on the cover limits and terms.
How do I work out my home rebuilding cost?
In most cases, the rebuild cost usually falls below the market value of your home. However, it doesn’t take into account the value of the land or location, so the rebuild costs might exceed the market value.
If you need help understanding the rebuild cost of your home, there are websites that can assist you, including calculator from the Royal Institution of Chartered Surveyors.
How can I access my home insurance documents?
Your documents are kept safe and sound in Your Account so you can access them whenever you like. Log in using your email address, your password wil be your policy number, and you can change this once you've logged in.
If you have forgotten your password or don't remember setting up an account when you bought your policy, please click on the 'I've forgotten my details' link.
How do I find out the excess on my home insurance policy?
Your excess amounts are outlined in your policy documents. The excess is the payment you make towards the cost of your claim. Further details on this can be found in your policy documents in Your Account.
Voluntary excess
A voluntary excess is chosen by you and is the amount you are willing to pay towards a claim. You should consider the most you would want to pay in the event of a claim before proceeding.
In the event of a claim, this is payable in addition to the compulsory excess and will be deducted from the overall claim settlement.
Please note, sometimes you may need to pay your excesses up front for repairs to your home.
Compulsory excess
All policies include a compulsory excess. The excesses below apply to buildings, contents, personal possessions and bicycles.
Where a claim is made for more than one section of cover, we will only apply one excess, but the higher excess will always apply.
In the event of an escape of water claim or subsidence claim, you will be charged the relevant excess in replacement of the compulsory excess. More information can be found in the policy wording or refer to your Schedule.
Example of all excess for building and contents
| Compulsory | Voluntary | Total | |
| Buildings | £200 | £250 | £450 |
| Contents | £200 | £250 | £450 |
| Escape of water | £450 | - | £450 |
| Subsidence | £1,000 | - | £1,000 |
| Personal possessions | £100 | - | £100 |
| Bicycles | £100 | - | £100 |
