Your home is likely your biggest investment, so it's essential to protect it with comprehensive buildings insurance. At Dunham McCarthy, we're here to help you find the right cover to safeguard your property from the unexpected.
What is Buildings Insurance?
Buildings insurance covers the structure of your home, including the walls, roof, floors, windows, and doors. It also typically covers permanent fixtures and fittings like fitted kitchens and bathrooms. This type of insurance protects you against the cost of repairing or rebuilding your home if it's damaged or destroyed by an insured event.
Why Choose Dunham McCarthy for Your Buildings Insurance?
As a trusted UK-based insurance broker, we offer expert advice and access to a wide range of policies to ensure your home is fully protected.
Extensive Market Access
We work with a panel of reputable UK insurers, giving you access to a broad range of policies and competitive prices.
Tailored Cover
We understand that every home is different. We'll help you find a policy that suits your property type, whether it's a listed building, a modern apartment, or a standard house.
Expert Guidance
Our experienced advisors will explain the various aspects of buildings insurance, including:
- Rebuild Cost: We'll help you calculate the accurate rebuild cost of your home, ensuring you're not underinsured.
- Alternative Accommodation: If your home becomes uninhabitable due to an insured event, this cover can help with the cost of temporary housing.
- Property Owners' Liability: Protects you against claims if someone is injured on your property.
Clear and Simple
We'll explain your policy documents in plain English, making sure you understand the cover, exclusions, and any excesses.
Claims Assistance
If you need to make a claim, we'll be there to support you throughout the process, helping you achieve a swift and fair resolution.
What Does Buildings Insurance Typically Cover?
- Fire, Smoke, and Explosions: Protection against damage caused by these events.
- Storms and Floods: Covers damage caused by severe weather, including wind, rain, hail, and flooding.
- Subsidence, Heave, and Landslip: Protection against ground movement that can damage your home's structure.
- Escape of Water: Covers damage caused by burst pipes, leaking water tanks, and other water leaks.
- Theft and Vandalism: Protection against damage caused by break-ins and malicious acts.
- Falling Trees and Branches: Covers damage caused by trees or branches falling on your property.
- Impact Damage: Protection against damage caused by vehicles or other objects colliding with your home.
What's Not Usually Covered?
- General Wear and Tear: Gradual deterioration and everyday wear and tear are not typically covered.
- Frost Damage: In some instances damage specifically caused by frost may be excluded.
- Faulty Design or Workmanship: Damage resulting from poor construction or repairs is usually excluded.
- Damage caused by pests or vermin
How Much Does Buildings Insurance Cost?
The cost of buildings insurance depends on several factors, including:
- Rebuild Cost: The higher the cost to rebuild your home, the higher the premium is likely to be.
- Location: Properties in areas with higher risks of flooding, subsidence, or crime may have higher premiums.
- Property Type and Age: Older properties or those with non-standard construction may have different premium calculations.
- Security Features: Having security measures like alarms and approved locks can often reduce your premium.
- Policy Excess: Choosing a higher excess can lower your premium.
Get a Free Buildings Insurance Quote Today
Protect your most valuable asset with the right buildings insurance. Contact Dunham McCarthy today for a free, no-obligation quote and expert advice from our dedicated team. We're here to help you secure your home's future.
