Buildings Insurance

Mortgage Experts You Can Rely On

Protect Your Property – Rain or Shine

Your home is likely the most valuable asset you own – so it makes sense to protect it properly. Buildings insurance (also known as buildings protection) covers the structure of your home against damage from events like fire, flood, storm, subsidence, or vandalism.

At Prime Mortgage Centre, we help homeowners, landlords, and buyers secure the right level of cover for their property – with clear advice, competitive quotes, and simple setup.

What Is Buildings Insurance?

Buildings insurance protects the physical structure of your property – including the walls, roof, floors, windows, and permanent fixtures like fitted kitchens and bathrooms.

It usually covers damage caused by:

Fire, smoke, lightning, and explosion
Flooding or storm damage
Theft and vandalism
Subsidence, heave, and landslip
Burst pipes or escape of water
Falling trees or aerials
Vehicle or aircraft impact

If your home becomes uninhabitable after a claim, most policies will also pay for alternative accommodation.

Do I Need It?

If you have a mortgage, your lender will usually require you to have buildings insurance in place from the day you exchange contracts. Even if you own your home outright, protecting it from major damage is still strongly recommended.

For leasehold properties, your freeholder or management company might arrange this cover as part of your service charges – we can help you check.

If you are a landlord, specialist landlord buildings insurance is required. We can help you set up a policy that meets your legal obligations and protects your investment.

What’s Not Covered?

While buildings insurance covers structural damage, it does not include your personal belongings – that is what contents insurance is for. Policies also typically exclude general wear and tear, damage from pests, and some types of damp or poor maintenance.

We will help you understand:

Exactly what is covered – and what is not
Rebuild cost vs. market value
How to avoid being underinsured
Optional extras, like accidental damage or legal cover

Why Choose Prime Mortgage Centre?

We are not tied to any one insurer – which means we can compare a wide range of providers to get you the right level of cover at the right price. Our team will explain everything clearly, making sure your home and mortgage are properly protected.

Whether you are a first-time buyer, a homeowner reviewing your policy, or a landlord looking to insure a rental property, we will make it simple.

Protect the Roof Over Your Head

Accidents and disasters can happen – but with the right buildings insurance in place, you will never face them alone.