Buildings only

Start your search for quality buildings insurance by looking at Fairer Finance’s latest product ratings.

Our ratings are designed to help customers make more informed decisions, but they should not be taken as recommendations or advice. Every customer has different needs, and our ratings are simply designed as a short cut to help consumers make sense of the complex world of financial products.

Our unique product ratings are designed to help you choose a quality insurance policy. We rate policies on the key features that are most important for the majority of customers.

We focus on core cover features, and don’t give extra marks for unnecessary bells and whistles. We also only give marks to features that are included as standard - not optional extras.

Please bear in mind we don’t rate by price and our ratings are not advice. You should do your own research to find cover that best suits your needs.

In order to achieve a 5 star rating, a buildings insurance policy must:

Offer more than £500 of cover for replacing stolen or lost keys and damaged locks.
Offer more than £5,000 of cover for repairing damage caused by finding and fixing the source of a leak.
Have a 24 hour telephone helpline.
Have a compulsory excess less than £100.
Have an excess for water-related claims less than £350.
Have no extra excess for flood claims.
Offer more than £50,000 of cover for alternative accommodation if you're unable to live in your home.
Replace non-damaged items that are part of a set.
Not void your cover if you are away from your home for more than 28 consecutive days.
Offer more than £1 million of cover for property owner liability.
Have an amendment fee less than £30.
Have a cancellation fee less than £25.

Some of the companies in our tables are brokers, which means that they sell one or more insurers' policies through their own business.

Take a look in the policy document you receive to find out who the insurer is.

Find out how we calculate our product ratings

Brand	Product name	Trace and Access	Cover for keys if lost	Matching sets	Rainfall (mm)	Star rating
Brand	Product name	What does this mean?	What does this mean?	What does this mean?	What does this mean?	Star rating
John Lewis	Bronze Buildings, Bronze Contents More details	£5,000.00	£500.00		25 mm per hour	5 stars
John Lewis	Bronze Buildings, Gold Contents More details	£5,000.00	£500.00		25 mm per hour	5 stars
John Lewis	Bronze Buildings, Silver Contents More details	£5,000.00	£500.00		25 mm per hour	5 stars
TSB	Contents Cover More details	£5,000.00	Sum insured		Not Defined	5 stars
Leeds Building Society	Extra Home Insurance More details	£5,000.00	Sum insured		Not Defined	5 stars
John Lewis	Gold Buildings, Bronze Contents More details	Sum insured	Unlimited		25 mm per hour	5 stars
John Lewis	Gold Buildings, Gold Contents More details	Sum insured	Sum insured		25 mm per hour	5 stars
John Lewis	Gold Buildings, Silver Contents More details	Sum insured	Sum insured		25 mm per hour	5 stars
Co-operative Bank	Home Cover extra (Contents up to £80,000) More details	£5,000.00	Sum Insured	50% of the cost of replacing the undamaged parts	Not Defined	5 stars
Co-operative Bank	Home Cover extra (Contents up to 60,000) More details	£5,000.00	Sum Insured	50% of the cost of replacing the undamaged parts	Not Defined	5 stars
British Gas	Home Insurance More details	£5,000.00	£1,000.00	50% of the cost of replacing the undamaged parts	Not Defined	5 stars
Co-operative Insurance	Home Insurance More details	£5,000.00	£1,000.00		25 mm per hour	5 stars
One Click cover	Home Insurance More details	£10,000.00	Sum Insured		Not Defined	5 stars
Age Co	Home Insurance (Ageas) More details	Sum insured	Sum insured	50% of the cost of replacing the undamaged parts	25 mm per hour	5 stars
Ecclesiastical	Home Insurance (Sum Insured) More details	£5,000.00	£1,000.00	50% of the cost of replacing the undamaged parts	Not Defined	5 stars
SAGIC	House & Home Insurance More details	Sum insured	£1,000.00	50% of the cost of replacing the undamaged parts	Not Defined	5 stars
Swinton	Premier Home Insurance More details	£10,000.00	Sum insured		Not Defined	5 stars
West Bromwich Building Society	Premier Home Insurance More details	£10,000.00	£1,000.00		Not Defined	5 stars
LV=	Rainbow Home Insurance More details	£10,000.00	Sum insured	50% of the cost of replacing the undamaged parts	25 mm per hour	5 stars
John Lewis	Silver Buildings, Bronze Contents More details	£5,000.00	£750.00		25 mm per hour	5 stars
John Lewis	Silver Buildings, Gold Contents More details	£5,000.00	£750.00		25 mm per hour	5 stars
John Lewis	Silver Buildings, Silver contents More details	£5,000.00	£750.00		25 mm per hour	5 stars
TSB	Starter Contents Cover More details	£5,000.00	£1,000.00		Not Defined	5 stars
TSB	Student Contents Cover More details	£5,000.00	£1,000.00		Not Defined	5 stars