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Buildings Insurance covers the physical structure of your house, such as walls, roofs, ceilings, doors, as well as permanent fixtures and fittings (kitchens, bathrooms etc.) - it may also cover damage to things such as conservatories, sheds or garages linked to or on your property.

Depending on the policy, Building Insurance provides cover against damage by things such as fire, flood, lightning, explosion, earthquake, theft or attempted theft, riots, vandalism, storms, subsidence, falling trees, moving objects (for example, a car hitting your house) or water/oil leaks.

If you have a mortgage, your lender will normally insist that your property (and their security) is protected by buildings insurance. This is to safeguard their investment in your property.

A comprehensive Buildings Insurance policy should cover the full cost of repair/rebuild in the event of the following:

  • Damage to buildings - Including but not limited to storm, flood, fire, smoke, earthquake
  • Alternate accommodation - In the event your property becomes inhabitable due any of the claim criteria
  • Home emergency cover - To provide assistance in the event of burst pipes etc.
  • Escape of water or leakage of oil - Burst pipes etc.
  • Accidental damage - To provide cover against accidental breakage or damage to your home (windows, fixed units etc.)

Get Personal Mortgage Solutions expert help when it comes to insuring your property. For a completely professional and tailored quote simply call 0800 345 7075 or email info@personalmortgagesolutions.co.uk


As with all insurance policies, conditions and exclusions will apply.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Typically we charge a fee of £995 for arrangement of your mortgage, however the actual fee will depend on your circumstances and will not exceed 3% of the mortgage amount. The fees may be waived subject to the terms of the fee waiver agreement.

Personal Mortgage Solutions Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 618512.

Registered Office: Personal Mortgage Solutions, Willoughby House, 2 Broad Street, Stamford, Lincolnshire, PE9 1PB. Registered Company Number: 8841811. Registered in England & Wales.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

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