Buildings Insurance

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Buildings insurance covers the cost of repairing damage to the structure of your property. This includes the walls, windows and roof as well as permanent fixtures and fittings such as baths, toilets and fitted kitchens.

Generally buildings insurance covers the cost of loss or damage caused by:

Fire, smoke, explosions

Flood, storms, natural disasters

Fallen trees, lamp posts, aerials or satellite dishes

Vandalism or malicious damage

Subsidence

Vehicle or aircraft collisions

Depending on the type of policy you choose, you may also be covered for structures around your home like garages, outside walls and driveways.

You won’t need buildings insurance if you’re renting a property as it will be up to your landlord to ensure they have a policy. If you are a tenant and would like to insure your belongings you may want to consider taking out a contents insurance policy.

Usually, if you own a leasehold flat, the building should be insured by your landlord who owns the freehold. Sometimes leaseholders in the same building group together to buy a share of the freehold. While this gives more control over the property it also mean that they may have to arrange buildings cover as well. This can be done individually or a cheaper option could be to take out a ‘block policy’ which covers them all.

Exclusions from buildings insurance policies can vary depending on your provider and level of cover. Common exclusions on buildings insurance policies include: General wear and tear Damage caused by neglecting your property

Bad workmanship

Storm damage to gates, fences and plants

Frost damage to outside pipes and brickwork

Damage caused by insects, birds or other pests

Most insurers will cover your home on the condition that it will not be left unattended for more than 30 consecutive days. If your home will be left unoccupied for an extended period of time, be sure to let your home insurance provider know as there may be some restrictions to your cover.

At Advantage we’re always helping our clients find suitable cover, speak to an expert today.

We’ll get you a quote for 5 Star Defaqto rated cover at a fantastic price in just a few minutes!
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Call us on 020 8665 3200 or send us an email at test@mortgage-brain.co.uk if you would like to find out more.

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Our clients choose to trust us over the competition because of the way we conduct our business.

Transparency
Did you know that not all mortgages are available through brokers? That’s why we’ll always let you know about any cheaper deals that we’re aware of when we make our recommendation. Nothing hidden here.
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We exist not only for our clients but to make the world a better place in any little way we can. We participate in ‘micro-giving’ via a charitable organisation called Buy1Give1, to causes such as conservation and clean water.
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All Advantage customers have their own Client Portal for secure exchange of information, messages and documents. However, we always tailor our services to suit you, whether face to face, telephone, email or carrier pigeon.
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Whilst we have arranged finance for people in all situations, we have areas we think we excel in. If you are a contractor, self-employed, a first time buyer, an older borrower or have had credit issues, you should really call us.
Your Home may be repossessed if you do not keep up repayments on your mortgage or another debt secured on it

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

Our typical fee is £450 and only paid when your offer is produced. This means that if we’re unsuccessful in getting you the mortgage you won’t pay a fee, giving you the confidence you need from a broker.

Advantage Financial Solutions is a trading style of TRM Financial Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: 70 St. Johns Close, Knowle, Solihull, England, B93 0NH.  Registered in England and Wales no. 09832887.