As a result of increased risks of property damage, vandalism and contractor injuries, buildings under this category do not qualify for liability, fire insurance or the normal hazard policies. Your preferred insurer should therefore provide you with a building insurance cover.

Basically, a building only insurance protects the permanent fixtures of your property such as the exterior and interior walls, roof, bathroom fittings, floors, ceilings, and outbuildings such as sheds, garages and fences.

Since a building only insurance protects you against the worst, having a good policy that covers full repair or rebuilding in case the unexpected happens is vital in helping to protect your home against a broad range of unpredictable events such as floods, fires, storms or theft.

Your insurance should help you protect your home and contents against flooding regardless of where you are. Claim Assist want to encourage our customers to buy flood insurance cover to protect their properties against the effects of floods.

If you’re using a mortgage, your lender will insist on a building only insurance cover to safeguard their property. If you’re in a rental, then your landlord should buy a policy to protect the building.

It is important to note that building insurance only covers damage to the building and not the contents.

It’s important also to check with your insurance provider to ensure their policies cover your building against things like accidental damage.