Cheap building insurance

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Benefits

  • Excellent rates
  • Multi property discounts
  • Immediate cover online
  • 25% multi building discount available
  • Up to 13 weeks cover for vacant properties
  • Many tenant types acceptable

Cheap building insurance

Price is likely to be a determining factor when buying practically any goods or services. At UKinsuranceNET, we recognise that this may be one of your principal concerns when choosing building insurance.

But we also recognise that finding cheap building insurance may represent only part of the story and that an even better option might be to focus on identifying the particular product best suited to your individual needs and circumstances, rather than price alone.

At the end of the day, therefore, value for money – what you pay for what you get – might prove a more important objective than purely cheap building insurance.

Why do you need building insurance?

Any building you own is vulnerable to a surprisingly broad range of risks and perils. Whether it is used as your place of residence or let to tenants on a residential or commercial basis, the possibility of loss or damage through many kinds of events may be more likely than you imagine.

This may be illustrated by the kinds of risks which building insurance typically covers, such as:

  • fire – including arson by criminal intruders;

  • flooding – as the result of rivers bursting their banks or sea levels rising, but sometimes subject to specific conditions or exclusions if your property is located in an area known to be vulnerable to such risks;

  • storm damage;

  • impacts from falling trees, aircraft or vehicles;

  • escape of water or fuel – from pipes or appliance supplying the same within your home or commercial premises;

  • lightning, explosions and earthquakes – likely to be among the least likely of your worries;

  • accidental damage to fixtures and fittings such as glass, sanitary ware and kitchens; and

  • malicious damage caused by vandals.

What you need to know when buying cover

If you are looking to cut costs by looking for cheap building insurance, you might want to consider some of the following tips and suggestions:

  • the amount of excess on any building insurance is likely to be variable – possibly ranging from just £100, for example, for minor damage, up to £1,000 or more for subsidence claims;

  • the amount of any excess is likely to have a direct bearing on the cost of the premiums you pay and this cost might typically be reduced by agreeing to a further voluntary excess;

  • as with many forms of general insurance, there may be generous no claims discounts if you do not need to make a claim during successive periods of insurance – so make sure to claim any discount to which you may be entitled;

  • if you own more than one property, there may be further discounts available if you arrange building insurance for each of those properties under the same umbrella policy.

Why choose us?

Why choose UKinsuranceNET? Because we have the expertise, experience and a commitment to providing a personalised service intended not only to identify every aspect of your individual building insurance needs and requirements, but to match these to some of the most appropriate insurance products available on the market – and all the while with a keen eye on quoting you the most competitive rates.