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Choose the right cover for you
Insuring your home can be confusing, which is why we offer three simple buildings packages for you to choose from.
Admiral Buildings Insurance covers your home's essentials.
Gold level is great value, just like Admiral cover, but with some handy added extras.
Admiral Platinum is full-featured cover for people who want more from their home insurer.
Compare our three levels of cover. Values shown are the maximum claim limits
Buildings Sum Insured
(eligibility criteria applies)
Replacement Locks / Keys
Property Owners' Liability
Emergency Access - Buildings
24 Hour Emergency Helpline
Legal And Other Rebuild Fees
Garage Or Outbuildings
Emergency Access - Gardens
Tracing And Accessing A Leak
Sale Of Home
What is buildings insurance?
Buildings insurance covers the structure and fittings of your home as well as everything permanently fixed down. This includes:
- Fitted kitchens
- Bathroom suites
- Built-in cupboards and wardrobes
Garages and outbuildings are also covered but your personal belongings would be covered by contents insurance.
What does buildings insurance cover?
Admiral will cover your house against natural or manmade disasters, including:
- Water leaks
- Malicious damage
- Lightning strikes
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.
When arranging this cover 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, while under-estimating could leave you out of pocket if you need to make a claim at a later date.
To ensure you have the right figure for the rebuild costs consider the costs of:
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'll also provide alternative accommodation if your property or contents are damaged and your home is unsafe to stay in.
Admiral will also pay out (up to the amount shown on your policy schedule) if the emergency services have to damage your building to enter to your home.
Buildings Accidental Damage Cover
Accidental Damage cover is also available with our Buildings 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. Click the link below for more information.
Your questions answered
If you have any questions you'll 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. 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. 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 while your property is unoccupied, you need this type of cover. 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
- 60 days on Admiral Platinum
For more information see our guide: Insuring an Unoccupied House.
How do I calculate the rebuild cost of my home?
The rebuild cost is to completely rebuild an identical house to yours, including the cost of labour and materials.
Typically, the cost to rebuild your home is less than the market value, which you might find in your Structural/Building Survey or Home Buyers Report under 'Rebuild Value'. It's important to estimate the correct amount, so you don't pay too much for your insurance or be underinsured if you need to claim. Remember to include garages and outbuildings and consider any special features or materials.
The ABI offers 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 this cover however it’s up to you where you buy it from.
It may seem like the easiest option at the time and not look that expensive when you’re working with mortgage figures but it’s definitely worth shopping around and looking at other providers.
Get a quote from 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
- damage by vermin
- failure of grout
If I make a claim, can I use my own builder?
If you make a claim, we'll pay the cost of rebuilding, repairing or replacing any damaged part of your buildings covered under your policy. We'll decide how to settle your claim.
We have a network of approved builders, but if you have a preferred builder we're likely to let you use them if their quote is reasonable.
However, you'll also need to make sure the quality of work is acceptable, and if any problems arise due to poor workmanship, they'll need to be sorted by you and the builder.
Is buildings insurance the same as landlord insurance?
No, it’s not – if you're getting an income from letting a property, you’re classified as a business so standard home insurance doesn't cover you. Landlord insurance can cover accidental damage caused by tenants, legal cover and missed rent. For more information see our Landlord Insurance page.
Does building insurance cover flood and fire damage?
Yes, we will cover your house against natural or manmade disasters including fire, flood and lightning strikes.
Do leaseholders need buildings insurance?
It is the responsibility of the landlord who owns the freehold of the property to get buildings cover in place. However, many tenants/leaseholders cover the cost of the insurance in their annual service charge.
Call for a quote
0333 220 2090
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