Buildings Insurance

If your buy-to-let property is unfurnished and without contents, you can take out an insurance policy that covers buildings only.

If you choose buildings-only insurance you can add contents cover if you need to at any time.

Buildings Insurance can help protect against accidental damage, subsidence, and other costly claims in relation to your property.

Churchill Expert can arrange up to £10 million buildings cover on a standard insurance policy along with a range of optional benefits. 

Buildings and Contents cover is available together but Contents can only be sold separately if the occupancy of the building is residential only.

What's covered?

Standard

• Up to £10 million Buildings cover, including Boiler Cover
• Insure up to 10 properties on a multi-property policy
• Malicious damage and/or theft by tenant cover (which can't be recovered from a security deposit, up to £10,000)
• Costs incurred for damage caused by the illegal cultivation of drugs 

Optional Extras

• Accidental damage for buildings when you've insured them
• Legal expenses cover up to £250,000 (including repossession cover)
• Cover the cost of loss of rent if your property becomes uninhabitable following an insured event such as a fire or flood
• Subsidence cover

*Optional extras can be added to your policy for an additional premium.