BUILDINGS INSURANCE

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Buildings Insurance Solutions

Buildings insurance covers the cost of rebuilding your home if it is damaged or destroyed. It is usually compulsory if you are planning to buy your home with a mortgage and you may not be able to get one unless you take out building’s insurance.

Buildings insurance covers the cost of rebuilding your home if it is damaged or destroyed.

It is usually compulsory if you are planning to buy your home with a mortgage and you may not be able to get one unless you take out building’s insurance.

This page tells you what you can expect buildings insurance to cover and what you should think about when you choose a policy.

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  • – Aman Kohli. Kohli Travel, Glasgow

    I can’t say enough good things about working with Anoop Wallia from Clyde Brokers.

    As a travel agent, insurance can get a bit overwhelming, but he made everything super simple. He really took the time to understand my business and set me up with the right coverage — from liability, contents to building insurance. It's been such a relief knowing I’m covered if anything unexpected comes up.

    Super helpful, easy to talk to, and always quick to respond. Sorted out a claim for me in double quick time.

  • – Jay Singh. Regent Property, Glasgow

    I’ve worked with several insurance brokers over the years, but none have come close to the level of service and expertise I consistently receive from Clyde Brokers.

    Time after time, he has gone above and beyond to provide clear guidance, competitive quotes, and genuine care. His professionalism, responsiveness, and deep knowledge make him my go-to for all insurance needs.

    Highly recommended!

  • - Alistair Haydock. Haydock Music, Milngavie

    Clyde Brokers have been instrumental in securing the perfect bespoke insurance policies for my businesses over the past couple of years.

    The complexity of our requirements was carefully considered and addressed with meticulous attention to detail before any policies were purchased. This level of service is something I could never have achieved through an insurance company’s website or a comparison platform. The cost savings alone from using Clyde Brokers have been substantial.

    I cannot recommend them highly enough.

  • - Wanida Donaldson. Managing Director, Sakaeo Scotland Ltd, West End, Glasgow

    I would like to thank you for all your assistance and guidance in respect of our PL & Operating insurance cover.

    Having spent several weeks trawling through complicated policy options with price comparison sites we were astounded at how much money Clyde Brokers saved on our annual premiums. Low cost was not our concern. Value and cover was paramount. You took the time to explain the pro's and con's and guided us without pressure.

    We would have no hesitation in recommending your company to new start-up businesses and established companies looking for cover.

    5* from start to finish.

  • - JGM Wholesale, South Side, Glasgow

    We couldn’t be happier with the service provided by Clyde Brokers.

    From the very beginning, their team has been exceptional. They personally visited our premises, carried out a thorough assessment, and sat with us to ensure every detail of our insurance needs was covered. We didn’t have to lift a finger — they handled all the paperwork from start to finish. What truly sets Clyde Brokers apart is the way they supported us even during a difficult time. When a break-in occurred at JGM, their team stepped in immediately. They managed all the claims paperwork, guided us through every step, and ensured we were looked after without any stress or hassle on our end. Their professionalism, personal attention, and commitment to looking after their clients is unmatched.

    We highly recommend Clyde Brokers to any business looking for a reliable and hands-on insurance partner.

  • - Paradise Ltd, Shawlands, Glasgow

    We’ve been with Clyde Brokers for a few years now and can honestly say they’ve been fantastic to deal with.

    When we had a break-in three years ago, the process was smooth and stress-free thanks to their team. They handled all the paperwork and made sure everything was taken care of quickly. What we really appreciated was how involved they were from the start — they actually came out to our premises, sat down with us, and made sure we had the right cover in place. It’s rare to find that kind of personal service these days.

    Highly recommend Clyde Brokers — they genuinely look after their clients.

  • - Neeraj Salwan. Pharmacist & Director, Reach Pharmacy Group / Clara Ltd, Scotland

    I have had an outstanding experience working with Anoop Walia at Clyde Brokers.

    From the very beginning, Anoop was professional, approachable, and highly knowledgeable. He took the time to understand my needs and provided clear, tailored advice that made the entire insurance process simple and stress-free. His attention to detail and commitment to excellent service gave me complete peace of mind. I know if I need any advice regarding any insurance matters and dealing with an insurance claim all I need to do is contact Anoop and he will help sort it out and provide outstanding advice.

    I highly recommend Anoop and the team at Clyde Brokers to anyone looking for reliable and trustworthy insurance support.

  • - Mr Babubhai Patel. Hertfordshire

    I’ve been working with Anoop for 2 years and I’m extremely impressed with how they handled my recent insurance claim of water damage. From the moment I filed my claim, Anoop took control of the situation, making sure everything was processed smoothly and efficiently.

    I couldn’t be more satisfied with the service I’ve received. From the start, Anoop was not only professional and knowledgeable but also incredibly approachable, making the often-complicated process of selecting insurance policies much easier to navigate.

    What truly stood out to me was his attentiveness to my unique needs. Anoop took the time to listen to my concerns, explain my options in detail, and helped me in many circumstances. I felt like my best interests were always at the forefront of our conversations.

    Whenever I had questions or needed further clarification, Anoop was quick to respond, always providing clear and thorough explanations. His guidance really gave me peace of mind knowing I was making the best decisions for my business insurance needs.

BUILDING INSURANCE FAQs

  • Buildings insurance covers the cost of repairing damage to the structure of your property. Garages, sheds, and fences are also covered, as well as the cost of replacing items such as pipes, cables, and drains.

    Your insurance should cover the full cost of rebuilding your house. This also includes the costs of demolition, site clearance, and architects' fees.

    Buildings insurance usually covers loss or damage caused by:

    • Fire, explosion, storms, floods, earthquakes

    • Theft, attempted theft, and vandalism

    • Frozen and burst pipes.

    • Fallen trees, lampposts, aerials, or satellite dishes.

    • Subsidence

    • Vehicle or aircraft collisions.

  • If you have a mortgage:

    Buildings insurance will be a condition of the mortgage and must be at least enough to cover the outstanding mortgage. Your lender should give you a choice of insurer or allow you to choose one yourself. They can reject your choice of insurer but cannot make you use their own insurance policy unless your mortgage package includes insurance.

    If you buy a house, you should take out buildings insurance when you exchange contracts. If you sell a house, you are responsible for looking after it until the sale is completed so you should keep your insurance cover until then. If your mortgage lender repossesses your home, you are responsible for insuring it until it is sold and you should tell your insurer that you are no longer living there, otherwise you may not be covered.

    If you do not have a mortgage:

    Buildings insurance is not compulsory, but it is advisable. Think about how you would afford to rebuild your house if it were damaged or destroyed.

    If you are a leaseholder

    Your lease may say that you should have buildings insurance with a named insurer, or the freeholder may take out insurance and charge you for it.

    If you are renting

    Your landlord usually takes out the insurance, although you may be responsible for loss or damage to fixtures and fittings. Your household contents insurance may cover this.

  • It is important to make sure you insure yourself for the amount it would cost to completely rebuild your home. This is called the sum insured. The cost of rebuilding your home is not the same as the price you paid for your home, or its current value if you were to sell it. Rebuild costs are usually less than the current market value, so make sure you do not over or under insure yourself.

    To help you work out the cost of rebuilding your home, there is a Building Cost Information Service online calculator on the Association of British Insurers' website.

    Some insurers offer unlimited cover, so you do not have to work out the rebuild costs. However, if already know what they are, it may be cheaper to shop around for a policy that fits your exact needs.

    Some policies work out the sum insured based on a general assessment of where you live and the type and age of your home. However, this may not fit your particular property, so you will need work out whether you have enough cover.

    You should regularly review the amount your buildings insurance cover as rebuild costs tend to rise over time. Some insurers offer policies that will increase the sum insured automatically in line with rebuild costs.

    Remember, if you improve your home, such as adding an extension or a loft conversion, the rebuild costs may also increase and you will need to make sure you are covered.

    If your property has specific features, for example a thatched roof, or it is a listed building, you can pay for a survey from the Royal Institution of Chartered Surveyors to assess the rebuild costs.

  • You might want to consider taking out extra buildings insurance to cover for you for other risks. You will have to pay higher premiums for this cover.

    You can add on extra insurance for:

    • Flooding or subsidence if you live in a high-risk area.

    • Accidental damage to your home

    • Alternative accommodation if you must move out of your home after you have made a claim.

    • Damage to boundary walls, fences, gates, driveways, and swimming pools

    • Damage to underground pipes, cables, gas, and electricity supplies

    • Glass in windows, doors, conservatories, and skylights

    • Liability cover if someone else's property is also damaged.

    • Legal expenses cover

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