Buildings Cover

Underwritten by:
This buildings and contents insurance for homeowners is underwritten by a panel of insurers.  For more information about the insurers on our panel, click here.
 

Cover under the buildings section

This buildings insurance policy provides cover against:

  • fire, smoke, explosion, lightning or earthquake
  • storm, hail or weight of snow
  • flood
  • escape of water from and frost damage to washing machines, dishwashers, fixed water tanks, apparatus and pipes
  • escape of oil from a fixed domestic central heating oil tank
  • theft or attempted theft
  • collision or impact by any vehicle or animal
  • collision by aircraft and other flying devices or items dropped from them
  • falling trees, branches, telegraph poles or lamp posts
  • breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fittings and masts
  • riot, violent disorder, civil commotion, labour and political disturbances or strikes
  • malicious damage or vandalism
  • subsidence

There is also cover for:

  • expenses incurred whilst restoring the damage
  • any loss of rent due or alternative accommodation costs (up to 20% of the sum insured)
  • the cost of repairing accidental damage to fixed glass and double glazing
  • the cost of repairing accidental damage to underground drains, pipes and cables
  • the costs you have to pay for replacing locks to safes, alarms and outside doors in your home following theft or loss of your keys (up to £750)
  • increased domestic metered water charges following an escape of water (up to £1,500)

The standard amount of buildings cover a customer will receive is £300,000. If a customer requires higher levels of cover they can increased the sum insured to £500,000 by paying an additional premium.  If the customer requires more cover we can arrange for Sterling to provide an individual quotation, for more information click here.

 

Customers can also choose the excess they require and extend their cover to include accidental damage to buildings. Any no claims years can be transferred from the customer's previous insurer.

 

All our panel of insurers subscribe to the same policy conditions. This means that you can choose the best price for your customer without affecting the cover they receive. 

 

This page is only intended for use by 3XD registered intermediaries.

 

 
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