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.
If you’re looking for a clear and simple way to cover your buildings or contents, we offer three cover options: Essentials, Classic and Premier - you just need to choose the one that’s right for you.
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 following an insured peril.
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.
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:
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:
A typical Buildings Insurance policy will cover you against damage to your home caused by:
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, the cost of your Buildings Insurance cover, up to the sum insured in your policy, will include:
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.