Do you need home buildings insurance?

a house with an estate agent's sold sign and insurance policy

You need home buildings insurance if you own your house.

Home buildings insurance

Home buildings insurance is to pay for repairs if your home is damaged. This might be if there is a fire, a flood, a storm or an accident.

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a house showing one half mortage and one half rent and an insurance policy

You may also need home buildings insurance if you have shared ownership.

Home buildings insurance

Home buildings insurance is to pay for repairs if your home is damaged. This might be if there is a fire, a flood, a storm or an accident.

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Shared ownership

This is when you pay rent to a landlord and have a mortgage at the same time.

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an estate agent's sign saying let

You don't need home buildings insurance if you have a tenancy ( if you are renting).

Home buildings insurance

Home buildings insurance is to pay for repairs if your home is damaged. This might be if there is a fire, a flood, a storm or an accident.

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Tenancy

This means you have the right to live in a house or flat, in return for paying rent. The person you pay rent to is called the landlord. The landlord may be a person or an organization, like a housing association.

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a landlord and an insurance policy

If you have a tenancy then the landlord must have home buildings insurance for your house or flat. Your rent will pay towards this.

Check with the landlord that they have this.

Tenancy

This means you have the right to live in a house or flat, in return for paying rent. The person you pay rent to is called the landlord. The landlord may be a person or an organization, like a housing association.

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Landlord

The person you pay rent to is the landlord.

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Home buildings insurance

Home buildings insurance is to pay for repairs if your home is damaged. This might be if there is a fire, a flood, a storm or an accident.

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Rent

You can rent a flat or a house to be your home. This means that you are paying to stay there - you do not own it yourself.

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Landlord

The person you pay rent to is the landlord.

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Find out how much buildings insurance you need

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