Buildings cover

• Standard option provides buildings cover for houses or bungalows built after 1849, of standard construction and with up to five bedrooms, up to a limit of £500,000.
  
  
• If this is not suitable, cover may be arranged for a specified rebuilding cost under the Select option.

Legal & General will insure the buildings for the amount specified on the proposal form. The sum insured needs to be based on the rebuilding cost of the property which your client may be able to find on their mortgage valuation report or surveyor’s report.

As part of the buildings section your client is also automatically covered for:

• Home emergency cover: Up to £150 for call out charges, labour, parts and materials required for immediate repairs to the property, mains services and central heating if an emergency occurs. Home emergency cover is insured by Europ Assistance Insurance Limited.
  
  
• Loss of rent: Up to £50,000 for loss of rent should the tenant need to move out of the property as a result of an insured event.
  
  
• Fees paid: Architects’ and surveyors’ fees for rebuilding or repairs following a claim.
  
  
• Garden damage: The cost of re landscaping gardens damaged by the fire brigade whilst combating a fire.
  
  
• Property owners’ liability up to £2 million.
  
  
• Accidental damage to underground pipes and cables serving the property.
  
  
• Accidental breakage of fixed glass and fixed sanitaryware.
  
  
• Cost of tracing and accessing leaks up to £5,000.
  
  
• Optional extended accidental damage available at an additional cost.
  
  
• Protection against inflation (Select option only).