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The Ultimate Guide to Building Insurance in the UK

Building insurance is a cornerstone of home protection in the UK, but it’s often misunderstood. Whether you own a terraced house in Manchester or a cottage in the Cotswolds, this guide breaks down everything you need to know about insuring your property’s structure.

What Does Building Insurance Cover?

In the UK, building insurance protects the physical shell of your home—think walls, roof, windows, and permanent fixtures like bathrooms or built-in wardrobes. It steps in for damage from fires, floods, storms, or vandalism. Some policies even cover garages or sheds. But it’s not a catch-all—wear and tear or poor maintenance usually aren’t included.

Why You Need It

If you’ve got a mortgage, your lender will demand building insurance—it’s non-negotiable. Even without a mortgage, skipping it risks losing everything in a disaster. The average UK rebuild cost can hit £100,000 or more, depending on location and size. Could you afford that out of pocket? Probably not.

How to Get the Best Deal

Start with an accurate rebuild cost—use a calculator from the Association of British Insurers or a surveyor. Compare policies for coverage limits, excess fees, and extras like alternative accommodation if your home’s uninhabitable. Sites like Compare100.com make it easy to find trusted UK providers with competitive rates.

Final Thoughts

Building insurance isn’t optional—it’s essential for UK homeowners. Get the facts, calculate your needs, and shop smart. Visit Compare100.com to compare building insurance quotes and protect your home’s foundation today.

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