Buildings insurance

Protect your home with buildings insurance so it can continue protecting you.

Protect your home against serious loss or damage with our buildings insurance, underwritten by Aviva.

You can apply for our home insurance if you’re over the age of 16 and have a property in the UK (excluding the Channel Islands and Isle of Man).

If you've had a quote within the last 90 days you can pick up where you left off.

Minimum premiums, terms and conditions, exclusions and limitations apply

Optional extras

Pick and choose extra cover to make sure your policy protects everything you need it to.

Home emergency cover

up to £1,000 for labour, parts and materials per incident
hotel accommodation costs up to £1,000 if your home is uninhabitable
no excess to pay
£500 boiler contribution for boilers declared beyond economical repair
loss of essential services e.g. boiler breakdowns
roof damage following a storm
plumbing emergencies
electrical emergencies and breakdown
lost keys or damage to locks, doors and windows
pest infestation of rats, mice, wasps or hornets.

Restrictions

not all types of heating systems and boilers are included in home emergency cover
home emergency cover isn't a service and maintenance product and doesn't cover damage due to wear and tear (e.g. dripping taps)
doesn't cover breakdown of electric showers or domestic appliances like washing machines
doesn't cover problems you were already aware of when you bought cover.

Legal expenses cover

Legal expenses cover provides you with a lawyer if you need one and up to £50,000 of legal costs to pursue or defend a wide range of disputes including:

personal injury
employment
property
medical negligence
consumer issues.

Restrictions

We’ll only accept your legal expenses claim if our lawyer believes you’re likely to win the case. Conditions also apply if you want to nominate your own lawyer to represent you.

Accidental damage (buildings)

putting your foot through the ceiling
hammering a nail through a pipe
damaging wood or tiled flooring.

Restrictions

the excess(es) shown on your schedule
damage caused by wear and tear, settlement and shrinkage, vermin, insects, fungus, weather conditions, or any damage which happens gradually
damage caused by chewing, scratching, tearing or fouling by domestic animals
damage caused by faulty materials or design, or poor workmanship.

Before you apply

Policy documents

Here's some essential reading on home insurance. We know it might not be the most exciting, but it’s definitely important.

What's not covered by our buildings insurance?

any excess on your policy schedule
damage from any cause of wet or dry rot
building wear and tear
loss or damage that happens gradually
damage that happens after the home has been left unoccupied for longer than the period shown in your policy
loss or damage caused by domestic animals.

Other exclusions apply – please read the General Exclusions section of the policy booklet (PDF).

Limitations for our buildings insurance

Certain limitations may apply to your policy. For example:

the excess (the amount you have to pay on any claim)
monetary limits for certain covers
clauses that exclude certain types of loss or damage.

Please make sure you read the first direct Home Insurance Product Information Document (PDF) before getting a quote or applying. You'll find full details of the policy in our policy booklet (PDF).

Apply online for our buildings insurance.

Or give us a call on 03 456 100 101. We’re available 8am-8pm Mon to Fri, 9am-5pm Sat and 10am-4pm Sun (may be different on public holidays).

For details on how we use your personal information, please see our Privacy Notice (PDF).

first direct Home Insurance is underwritten by Aviva Insurance Limited. Please read Aviva's Privacy Notice shown within the application.