Protect the Structure You Call Home
At Next Step Insurance, we don’t just protect what’s inside your home — we safeguard the building itself. From the walls and roof to the windows and floors, our Buildings Insurance covers the core of your property, giving you peace of mind that your biggest investment is in safe hands.
What Is Buildings Insurance?
Buildings Insurance is a type of cover that protects the physical structure of your property. It covers the cost of repairing or rebuilding your home if it’s damaged or destroyed due to events like fire, flood, storms, subsidence, or vandalism. If you're a homeowner, landlord, or buy-to-let investor, buildings insurance is essential — and often required by mortgage lenders.
Why Choose Next Step for Buildings Insurance?
✅ Comprehensive Coverage – Protection for walls, roof, windows, doors, pipes, and permanent fixtures like kitchens and bathrooms.
✅ Fast & Easy Claims – Quick response and expert help when you need it most.
✅ Customisable Policies – Tailor your plan with add-ons like accidental damage or legal cover.
✅ Trusted by Thousands – Join millions who trust us to protect their homes across the UK.
Buildings Insurance – FAQs
Buildings insurance covers the physical structure of your home — including walls, roof, floors, ceilings, doors, windows, and permanent fixtures like fitted kitchens and bathrooms. It also covers damage caused by events like fire, flood, storm, subsidence, vandalism, and more.
While buildings insurance is not legally required, it is usually mandatory if you have a mortgage. Your lender will typically require it to protect their investment. If you own your home outright, it’s still highly recommended to safeguard against unexpected damage or total loss.
Accidental damage is not always included by default. However, you can choose to add it as an optional extra to your policy. This would cover unintentional incidents like drilling through a water pipe or breaking a window by accident.
Buildings insurance covers the structure of the home, while contents insurance covers everything inside — like furniture, electronics, clothing, and personal items. If you want full protection, we recommend a combined policy that includes both.
You should insure your home for the rebuild cost, not the market value. This is the amount it would cost to rebuild the property from scratch, including labour and materials. Not sure of your rebuild cost? We can help estimate it during your quote.
What Does It Cover?
Our standard Buildings Insurance covers damage caused by:
✔️ Fire, lightning, and explosions
✔️ Storms, floods, and natural disasters
✔️ Theft and attempted break-ins (structural damage)
✔️ Burst pipes and water leaks
✔️ Subsidence and ground movement
✔️ Falling trees, lampposts, or aerials
✔️ Accidental damage (if selected)
Also covers garages, sheds, fences, driveways, and permanent outbuildings.