Security
12 tips to improve shed security
The contents of your sheds and other outbuildings might add up to more than you think. Make sure you keep them secure this summer.
Buildings insurance for your home
Buildings insurance covers the cost of repairing the structure of your home.
What's covered
 | Up to £750,000 standard cover - we know all homes are different so if you need to insure a different amount, please call us. |
| The cost of somewhere to stay if your home can’t be lived in while we repair it. |
| Finding and repairing leaks from a fixed water or heating system in your home. |
| New locks if your keys are lost or stolen (up to £1,000). |
| Home emergency cover (included as standard). |
| Legal expenses (included as standard). |
Optional extras
What’s not covered
 | Damage caused by storm or flood to fences, hedges or gates will only be covered if the main building, garage or outbuilding is damaged at the same time. |
| Wear and tear – the gradual decline of your home over time. |
| Faulty work by a tradesperson. |
You can find more detail about the features, limits and exclusions in our home insurance product information document.
Landlords’ insurance
We can offer a policy to cover your let property but this is not a specific commercial landlord’s policy, so it depends on your individual needs whether this would be suitable.
The cover does not include loss of rent or rehoming the tenants should they no longer be able to live at the property. The Legal expenses section does not cover adverse possession.
Please call us if you need this type of cover.
Get the right cover
Home insuranceHome insurance covers you if you need to repair your home or replace your possessions if they’ve been damaged, destroyed or stolen.More about home insurance | Contents insuranceIf you don't need buildings cover our contents insurance provides cover for items in your home and your personal possessions.More about contents insurance | Clergy home insuranceHome insurance just for members of the clergy, with enhanced contents cover to take account of the extra duties done for the church.More about clergy home insurance |
Buildings insurance - frequently asked questions
How can I find out the rebuild cost of my property?
Visit the Association of British Insurers (ABI) website. This will help you to calculate the rebuild cost of your property.
What is buildings insurance?
The permanent structures within the boundaries of your home including any garages or outbuildings used only for domestic purposes and home office use, permanent fixtures and fittings including statues and fountains, hot tubs permanently fixed to the ground, wind turbines and solar panels fixed to the buildings or fixed to the ground, swimming pools, tennis courts, paths, drives, terraces, patios, walls, fences, hedges and gates as long as these are all within the boundaries of the land belonging to your property.
Do you offer home insurance for listed buildings?
We can still offer a quote if your property is listed. You will need to tell us which Grade the building is.
My property has suffered subsidence in the past, can I get a quote?
Over 15 years ago
We would need to see an up-to-date structural engineers report - completed within the last three years. We will review the report before we decide if we can offer a quote.
Less than 15 years ago
We are not able to offer a quote for your property.
Do I need to tell you about alterations to my property?
If the work taking place is in excess of £25,000, complete our Home building works questionnaire and send it back to us.
If the work taking place will be less than £25,000, please tell us so we can add a note to your policy.
Are the fences at my property covered under my buildings insurance?
Damage caused by storm or flood to fences, hedges or gates will only be covered if the main building, garage or outbuilding is damaged at the same time.
What happens if I need to find a leak?
We will cover the reasonable and necessary costs, as long as we have agreed them with you, to:
- locate the source of leaking water or oil from any fixed water or heating system in your home
- repair any damage caused in locating the source of the leak.
If there is a gradual cause such as wear and tear, the cost of replacing the part and any labour is not included. The most we will pay is £5,000 for each leak.
What does home emergency cover include?
Home Emergency cover is included as standard with your home insurance policy. DAS Legal Expenses Insurance Company Limited handle these claims on our behalf and you can use this for roof damage, plumbing and drainage, your main heating system, the domestic power supply, the toilet unit, home security or vermin.
If you need to make a claim under this section of the policy, call DAS on 0345 268 8469
What happens if my keys are lost or stolen?
If you lose the keys to your home, they are stolen, or there is accidental damage to the locks of the outside doors or windows, we will pay for reasonable and necessary costs of:
- gaining access to your home
- repairing or replacing the locks
The most we will pay for any one claim is £1,000.
