Buildings insurance

Home insurance for your buildings only.

Buildings insurance for your home

Buildings insurance covers the cost of repairing the structure of your home.

What's covered

Up to £750,000 standard cover - we know all homes are different, so if you need to insure a different amount, please call us.

The cost of somewhere to stay if your home can’t be lived in while we repair it.

Finding and repairing leaks from a fixed water or heating system in your home.

New locks if your keys are lost or stolen (up to £1,000).

Home emergency cover (included as standard).

Legal expenses (included as standard).

Optional extras

Accidental damage cover

What’s not covered

Damage caused by storm or flood to fences, hedges, or gates will only be covered if the main building, garage, or outbuilding is damaged at the same time.

Wear and tear – the gradual decline of your home over time.

Faulty work by a tradesperson.

You can find more details about the features, limits, and exclusions in our home insurance product information document.

Landlords’ insurance

We can offer a policy to cover your let property, but this is not a specific commercial landlord’s policy, so it depends on your individual needs whether this would be suitable.

The cover does not include loss of rent or rehoming the tenants should they no longer be able to live at the property. The Legal expenses section does not cover adverse possession.

Please call us if you need this type of cover.

Get the right cover

Home insurance

Home insurance covers you if you need to repair your home or replace your possessions if they’ve been damaged, destroyed, or stolen.

More about home insurance

Contents insurance

If you do not need buildings cover, our contents insurance only provides cover for items in your home and your personal possessions.

Clergy home insurance

Home insurance just for members of the clergy, with enhanced contents cover to take account of the extra duties done for the church.

More about clergy home insurance

Get a home insurance quote

We know all homes are different, so you can get a quote for this cover online and receive a discount, or speak to our friendly team.

0345 777 3322

8am to 6pm, Monday to Friday

Need support on your call? Check if your home meets the criteria for online quote before you begin.

Get a quote

More about buildings insurance

Answers to some of the most frequently asked questions..

Go to the frequently asked questions

£130 for your church

Take out a new home insurance policy with us before 31 December 2025, and we’ll donate £130 to your church or cathedral.

Find out more

Which? Best Buy 2025

Choose buildings insurance that's one of the best in category, as judged by independent and impartial Which? experts.

Read review

Fairer Finance

Customers rated Ecclesiastical the most trusted home insurance provider with the happiest customers.

Fairer Finance ratings

Ecclesiastical Property Claims Customers 2024, responses from 382 direct customers who had their claim settled.

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