Buildings Insurance

Three levels of cover with prices from just £66

10% of customers buying our Admiral level Buildings Insurance from December 2015 to June 2016 paid less than £66.

Choose the right cover for you

Insuring your home can be confusing, which is why we offer three simple packages for you to choose from.

Admiral Buildings Insurance covers your home's essentials.

Gold Buildings Insurance is great value, just like Admiral cover, but with some handy added extras.

Admiral Platinum is full-featured buildings insurance for people who want more from their home insurer.

Compare our three levels of cover

Values shown are the maximum claim limits.

 

Admiral

Admiral
Gold

Admiral
Platinum

Buildings Sum Insured
(eligibility criteria applies)

Unlimited

Unlimited

Unlimited

Alternative Accommodation

£30K

£75K

£100K

Replacement Locks / Keys

£250

£500

£1,000

Property Owners' Liability

£1 Million

£2 Million

£2 Million

Emergency Access - Buildings

£250

£500

£1,000

24 Hour Emergency Helpline

Yes

Yes

Yes

Plumbing Installation

Yes

Yes

Yes

Legal And Other Rebuild Fees

Yes

Yes

Yes

Garage Or Outbuildings

Yes

Yes

Yes

Emergency Access - Gardens

No

£250

£500

Tracing And Accessing A Leak

No

£3,500

£5,000

Sale Of Home

No

Yes

Yes

Matching Set / Pair / Suite

No

No

Yes

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What is buildings insurance?

Imagine popping the roof off your house and holding a giant vacuum cleaner above it, everything sucked up would be covered by contents insurance and everything left would be covered by buildings insurance. More...

It covers the structure of your home and everything permanently fixed down, including:

  • The walls
  • The roof and ceilings
  • Fitted kitchens and bathroom suites
  • Windows and doors
  • Built in cupboards and wardrobes

Garages and outbuildings are also covered by Admiral Buildings Insurance.

Here's what your home is covered against

Our Buildings Insurance cover will cover your house against natural or man-made disasters, including:

  • Fires
  • Water leaks
  • Vandalism
  • Malicious damage
  • Lightning strikes
  • Earthquakes
  • Floods
  • Subsidence

What to expect from Admiral

If your keys are lost or stolen we'll replace them no matter what level of cover you choose.

We will also provide alternative accommodation if your property or contents have suffered damage, and your home is unsafe to stay in.

And, if you need emergency access, Admiral will pay out if the emergency services have to damage your buildings in order to gain entry to your home, up to the amount shown on your policy schedule.

Calculating the rebuild cost of your home

It's no surprise that having to rebuild all, or part of your home, after an incident can be costly, which is why it's best to be prepared for any surprises by taking out buildings insurance.

When arranging buildings insurance it's important the sum insured is the full rebuild cost of your property and not to over or under estimate the value of your home.

Over-estimating could result in you paying higher premiums over the year than you need to, while under-estimating could leave you out of pocket if you did need to put in a claim at a later date.

You should insure your property for the rebuild value, to work that out you should calculate:

  • The cost of materials
  • Labour costs
  • The cost of architects in your area

A survey is the most reliable way to get your rebuild cost but can be expensive and will only be cost effective if you're having one done anyway, if you're buying a new house for example.

Alternatively the following rebuild cost calculator is available from the Association of British Insurers, free of charge.

Buildings Accidental Damage Cover

Accidental Damage cover is also available with our Buildings Insurance policy. It provides protection for accidental damage to your building including breakage of fixed glass in windows and doors, damage to fitted sinks, toilets and showers, as well as ceramic hobs in fitted kitchens.

Depending on the level of Buildings cover you choose, Accidental Damage may automatically be included as part of the policy - the table below shows this information.

 

Admiral

Admiral
Gold

Admiral
Platinum

Glass And Sanitary Accidental Damage

Available

Yes

Yes

Full Buildings Accidental damage

Available

Available

Yes

A 90 second video guide to Admiral Home Insurance

Your questions answered

We're sure you'll love our great insurance products but maybe you have a few questions. You can find answers in this section.

Is buildings insurance compulsory?

If you are buying your own home, buildings insurance is usually a condition imposed by your mortgage lender. Although buildings insurance is not always compulsory, generally it is a conditional requirement imposed by your mortgage lender. It will cover you for the cost of rebuilding your house if it is damaged or completely destroyed.

Is buildings insurance the same as home insurance?

Home insurance itself is a general term used to explain the combination of both buildings and contents insurance. Whereas buildings insurance by itself covers you for the structure of the property.

Admiral Home Insurance offers a policy for combined buildings and contents insurance.

Do you need buildings insurance for an unoccupied property?

If you want your buildings covered whilst your property is left unoccupied, then you need buildings insurance. As long as you notify us the amount of time your property is covered for when left unoccupied are; 30 days on Admiral, 45 days on Admiral Gold and 60 days on Admiral Platinum.

How do I calculate the rebuild cost of my home?

The rebuild cost is to completely rebuild a house that is identical to yours, this includes the labour and materials cost.

Typically the cost to rebuild your home is less than the market value; you might find this value in your Structural/Building Survey or Home Buyers Report under 'Rebuild Value'. It is important to estimate the rebuild correctly, so you don't pay too much for your insurance or be underinsured in the event of a claim. Remember to include garages and outbuildings and take into account any special features or materials.

The ABI offer a rebuild cost calculator to help you, or you can get an accurate calculation through a surveyor. You can find a local surveyor by contacting Royal Institute of Chartered Surveyors (RICS).

How do I know when my property was built?

You will find this on the deeds or if you have a mortgage on the property you can contact your mortgage provider who will have this on record.

Is a garage considered a room?

A garage is considered an outbuilding. So a garage would not be considered as a room, but instead would be covered under the outbuildings cover.

What is landslip?

This is the downward movement of sloping ground.

What is subsidence?

This is the downward movement of the ground beneath the building where the soil is unstable. Read more on what is subsidence?

What is accidental damage cover?

Accidental damage is any unintentional one-off incident. Accidental Damage cover is available with our Buildings Insurance policy. Depending on the level of cover you choose Accidental damage may automatically be included as part of the policy. The cover can include:

  • Glass and sanitary accidental damage
  • Full buildings accidental damage

You can find out more here.

Do I have to get my buildings insurance through my mortgage provider?

No, your mortgage provider may advise that you must have buildings insurance, however it is up to you where you buy it from.

It may seem like the easiest option at the time and it may not seem that expensive when you are working with mortgage figures, but it is definitely worth shopping around. It is definitely worth looking at another provider.

Get a quote for buildings insurance with Admiral.

Do you cover wear and tear?

No, an insurance policy is for the cover against loss or damage under the causes that you can find listed in your policy booklet. This does not cover maintenance of the home such as:

  • wear and tear
  • gradual decay
  • defective rendering
  • damp
  • rot
  • damage by vermin
  • failure of grout

If I make a claim, can I use my own builder?

In the event of making a claim we will pay the cost of rebuilding, repairing or replacing any damaged part of your buildings covered under your buildings insurance policy. We will decide how to settle your claim.

We have a network of approved builders who we use when rebuilding, repairing or replacing any damaged part of your buildings covered under your buildings insurance policy.

If you have a builder you specifically want to use we are likely to allow you to use your own builder as long as their quote is reasonable.

However, you will also be responsible for making sure that the quality of the work is acceptable, and if there are any problems arising from poor workmanship these will need to be resolved between you and the builder.

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Looking for something different?

If you own your home you may also need to insure your contents. Not to worry, Admiral offers great value with flexible options across all our Home Insurance products.

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