Buildings Insurance

Buildings cover made clear and simple

You invest a lot of time and money to get your home just right, so it makes sense to protect your investment with the right home insurance. Swinton's buildings insurance will cover you should the unexpected happen, as well as providing cover for temporary accommodation and legal liability.

Swinton has over 60 years of experience providing home insurance to our customers. We can compare quotes from our panel of specially selected home insurance companies in minutes, saving you the time and effort of searching for yourself. So let Swinton do the hard work and challenge us to find you a great deal.

Swinton offers three levels of Buildings Insurance cover



Covers you for the basics

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Alternative accomodation

Alternative accommodation

Replacement locks & loss of keys

Replacement locks & loss of keys


A great level of cover to suit most homes, with all the benefits of Essentials, plus more.

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Emergency Access

Emergency Access

Blocked underground sewer pipes

Blocked underground sewer pipes


Extra features and higher limits over and above our Classic cover for added peace of mind.

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Legal protection

Legal protection

Matching sets cover

Matching sets cover

Additionally, we can offer Home Insurance policies for homes that are at risk of flooding as well as cover for unoccupied homes

We also offer insurance for different property types, including high-value properties, listed buildings, non-standard builds, timber frame properties and second/holiday homes. If you have got any such specialist needs, please speak to one of our friendly team by phone.

View core benefits at a glance

The table below shows benefits for combined home insurance cover
Please refer to policy wordings below for exact cover


Key benefits



(Choose a limit to suit your needs)
£500,000 to Unlimited£500,000 to Unlimited£500,000 to Unlimited

Alternative accommodation cover

Up to £30,000

Up to £30,000

Up to £75,000

Lost or stolen keys



Trace and access


Blocked Sewer Pipes


Emergency Access Gardens & Buildings


Matching sets cover


£100,000 legal protection


Accidental damage


Home Emergency


Maximum limits shown. Other features, benefits and limitations exist, please contact us for details.


Policy Documents

For policies effective BEFORE the 2nd December 2019

Policy Wording (PDF - 860KB)
Policy Wording (PDF - 2.7MB)
Policy Wording (PDF - 2.7MB)

For policies effective AFTER the 2nd December 2019

Policy Wording (PDF - 667KB)
Policy Wording (PDF - 686KB)
Policy Wording (PDF - 698KB)

Get quote online or call us today

Online quote 0333 035 9373

Why choose us for your Home Insurance?

  • We’ll compare quotes from our specially selected panel of insurers to give you the lowest price we get back.
  • We're here to answer any questions - over the phone or via Live Chat
  • You can tailor your insurance with optional additional cover to suit your personal needs.
  • We store your insurance documents in our handy online insurance hub so you can view them at any time.

Home insurance - useful information

Home Contents Calculator

Get a better view of the value of those things that truly make your house a home with our Home Contents Calculator tool. Simply add all the rooms in your home and your possessions, and you’ll be given an overall summary of the contents of your home.

Insurance Made Easy: Accidental Damage

Accidental damage cover is an optional extra which you can purchase on top of your standard home insurance, which can enable you to claim against accidental damage to your house or belongings.

Insurance Made Easy: Lock Replacement & Repair

The locks on your windows and doors are there to keep your home secure, so when they need to be changed  it’s usually a priority. But what will a typical home insurance policy cover you for when it comes to paying for locks to be replaced or repaired?

What is buildings insurance?

When people refer to home insurance, they are often talking about two separate types of policy – buildings and contents insurance. This page will help you learn all about buildings insurance, why you need it and what it covers.

Buildings insurance protects you against damage to the physical structure of your home. In other words, it covers things like your walls, roof and windows. It also covers any permanent fixtures in the home which cannot realistically be removed and taken elsewhere, such as fitted kitchens and bathrooms.

It’s not a legal requirement to have buildings insurance, but if you have a mortgage, your provider will usually insist on it. You’ll need to keep the building insured until you have paid off the loan.

Even if you own your own home, it’s still important to consider taking out a buildings insurance policy so you’re covered if your home is damaged and you need to repair or rebuild it.

What if I rent?

If you rent your home, the buildings insurance is normally your landlord’s responsibility. But, you will still need to buy a contents insurance policy if you want your possessions to be covered against things like burglary.

Specialist buildings insurance

Homes come in all shapes and sizes these days and at Swinton we recognise that different types of property may require different types of cover. If your home is a little out of the ordinary we can search our panel of specially selected insurers to arrange insurance cover for:

  • Your home is built from non-standard materials, for example a timber frame.
  • You live in a listed building. You can find out if you do by visiting the following sites:
  • English Heritage (England)
  • Cadw (Wales)
  • Historic Scotland (Scotland)
  • Your home is unoccupied for more than 60 days a year.
  • Your property is used as a holiday home

What does buildings insurance cover?

Buildings Insurance covers you for the cost of repairing or rebuilding your home if it’s damaged or destroyed by an ‘insured peril’. An ‘insured peril’ is a specific risk or cause of loss named in your policy. This will include:

  • The structure of your home, including the roof, walls and windows
  • All other permanent fixtures and fittings, such as your bathroom suite and kitchen units

A typical Buildings Insurance policy will cover you against damage to your home caused by:

  • Escape of water, e.g. from burst water pipes
  • Fire
  • Theft
  • Floods
  • Storms
  • Falling trees
  • Riots

Again, Buildings Insurance does not cover any of the possessions inside your home – for those, you’ll need Contents Insurance.

When you apply for a Home Insurance policy, you’ll need to tell the insurer the value of your home. Depending on the insurer, this will either be the market value of your home or the rebuild cost. To calculate the rebuild cost of your home, try the BCIS calculator.  

If your home is damaged or destroyed, your Buildings Insurance will cover the following (up to the sum insured in your policy):

  • Rebuilding or repairing the structure, including things like flooring and plasterwork
  • Drying the property out after flooding or escape of water
  • Replacing or repairing bathroom suites and fitted kitchens
  • Temporary accommodation if you’re unable to stay in your home while the work is happening – normally for a specified time period, as documented in your policy

Please note that insurance cover can vary from one insurance provider to another so you should check your own insurance documentation for exact details of the cover already held.

Home insurance to suit your needs