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 Cover
Admiral Buildings Insurance covers your home's essentials.
- Unlimited Buildings sum insured (eligibility criteria applies)
- Alternative accommodation up to £30,000
- Replacement locks / keys up to £500
- Property owners' liability up to £1 million
- 24-hour emergency helpline
- Plumbing installation
- Site clearance and building fees
- Garages and outbuildings
What does buildings insurance cover?
What fittings are covered?
The following structure and fittings of your home are covered if they’re damaged in a natural or manmade disaster:
- Walls
- Roof
- Ceilings
- Fitted kitchens
- Bathroom suites
- Windows
- Doors
- Built-in cupboards and wardrobes
What events are covered?
Admiral will cover your house against natural or manmade disasters, including:
- Fires
- Water leaks
- Vandalism
- Malicious damage
- Lightning strikes
- Earthquakes
- Floods
- Subsidence
Cover for more than just your building
You’re covered up to the amount shown on your policy documents for:
Replacement keys
If your door keys are lost or stolen we'll replace them no matter what level of cover you choose.
Frost damage
Plumbing cover for your home's internal pipes if they're damaged by freezing.
Emergency access
If the emergency services damage the building or garden when entering due to a medical emergency or to prevent further damage.
Buildings Accidental Damage Cover
Accidental Damage cover is also available with our Buildings policy. It provides protection for:
- Breakage of fixed glass in windows and doors
- Damage to fitted sinks, toilets and showers
- 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.
Non-standard home insurance
Not all houses are built the same, but what do insurers mean by ‘non standard home insurance’? Simply put, a non-standard property is one without brick or stone walls, and a roof made from something other than tile or slate.
A thatched roof cottage, concrete prefabricated or timber frame homes are common examples of non-standard construction, as well as listed buildings.
Admiral Buildings Insurance has thousands of unusual, non-standard properties on cover, so if you’re not sure about yours, just give one of our friendly team a call on 0333 220 2090 and we'll talk you through it.
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 to protect your unoccupied building, you need buildings insurance. As long as you let us know ahead of time, your unoccupied property is covered for 60 days on Admiral, Admiral Gold and Admiral Platinum.
For more information read our Insuring an Unoccupied House guide.
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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.