Buildings and contents insurance

Buildings insurance covers the cost of repairing damage to the structural parts of your building.

The structure includes things like the roof, windows and walls of your property, and also permanent fixtures like bathroom suites and fitted kitchens.

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Buildings and contents insurance


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Buildings insurance covers the cost of repairing damage to the structural parts of your building.

The structure includes things like the roof, windows and walls of your property, and also permanent fixtures like bathroom suites and fitted kitchens.

Get Covered

            An armchair with blanket, cushion and laptop. A small side table with book, plant
            and glasses on it. The image includes Urban Jungle hearts above the chair.

What is buildings insurance and what does it cover?

Buildings insurance covers your property against structural damage. Buildings insurance is commonly combined with contents insurance so that both your property and belongings are covered under one policy.

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Contents insurance protects your personal belongings in case they get damaged, lost or stolen. Imagine tipping your home on its head - everything that falls out and belongs to you is considered to be contents (like furniture and electronics), and everything which stays in its place is considered to be part of the building (like the flooring or the built-in-oven).

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Buildings insurance covers the cost of rebuilding your house from the ground up. When you select the level of building cover that you need, it’s worth noting that it should be based on the rebuild value of your property, rather than the value you bought it for, or would sell it on for.

Urban Jungle’s buildings insurance covers the insured building (and outbuildings within 100m) against damage caused by fire, theft, vandalism, subsidence, landslips, storms, floods and escaped water or oil. It also covers alternative accommodation costs if your house becomes uninhabitable.

Who is buildings insurance for?

Buildings insurance is for homeowners. It covers your building and the structural parts of your home against damage. If you have a mortgage, you own your property outright, or are a sole freeholder this policy could be for you!

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If you’re buying your property with a mortgage as a freeholder, your mortgage provider will usually require you to have your buildings insurance in place from the date of exchange. This is put in place to protect the loan and you may not be able to buy a property without buildings insurance.

If you own your property outright, buildings insurance is not compulsory and ultimately the decision is up to you whether you would like to take out a policy or not.

You won’t need buildings insurance if you’re renting a property as it will be up to your landlord to ensure they have a policy. If you are a tenant and would like to insure your belongings, check out our home contents insurance policy .

Urban Jungle’s buildings and contents cover

Urban Jungle’s buildings insurance policy is designed for homeowners, who need insurance for their property and its fixtures. You can buy an individual buildings insurance policy with us, or combine it with our contents insurance policy to cover everything in one policy.

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Our buildings insurance policy covers the insured building if it’s damaged by fire, vandalism, subsidence, landslips, storms, floods and escaped water or oil. It also covers alternative accommodation costs if your house becomes uninhabitable. We offer £500,000 or £1 million of building cover, and you can add on accidental damage cover, legal expenses cover and home emergency cover to your policy.

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We offer £50,000 or £75,000 of contents insurance cover as part of your buildings and contents insurance policy. Things like your phone, laptop and furniture can all be covered against accidental damage, or damage caused by a fire, storm or flood under your contents insurance policy.

Product features

  • Up to £1m of building cover
  • Up to £75 of contents cover
  • Cover for phones and bikes
  • Accidental damage cover add on
  • Home emergency cover add on
  • Legal expenses cover add on
  • Defaqto 5 star rating
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We're here to help

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Our team of experts is here to help you at every stage of the process. We’ve also written a bunch of handy FAQs to answer any questions you might have!

Read our FAQs Get in touch with our support team

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