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With inflation driving a significant widening of the underinsurance gap, in this article we highlight the urgent need for brokers and...

UK insurance brokers are prioritising building valuations and cyber risk management as key services to add value for clients in 2025,...

Commercial property insurance coverage protects buildings from risks like fire, floods, and damage. But having a policy doesn’t always mean full protection. The type of policy and how accurate your rebuild costs are will determine if you have enough insurance. This will help you avoid a costly shortfall later. Many think buildings insurance for commercial property covers everything, but policies differ. Some only cover the building. Others add business interruption insurance

The issue of underinsurance has created a dynamic landscape of both opportunity and challenge in the field of buildings insurance...

Finding low cost commercial insurance is a top priority for many business owners and landlords. But while saving money is important, it’s just as crucial to make sure your policy gives you the right protection. The cheapest option might not cover everything you need – especially when it comes to rebuild costs, liability cover, and policy exclusions. With insurance prices going up and many businesses at risk of being underinsured, knowing what affects your commercial building

How do you cut 1,000 tonnes of CO₂ emissions without sacrificing efficiency? Spoiler alert: it doesn’t involve giving up your morning...

Once upon a time, Goldilocks wandered into the home of three unsuspecting bears… but this time, she wasn’t tasting porridge – she was...

Thinking about renovating your home? Whether it’s a sleek new kitchen, an expansive loft conversion, or even just a luxurious marble...

Owning a commercial property comes with risks. Without the right commercial landlord insurance, a single event could lead to expensive repairs, legal claims, or lost rental income. Fires, storms, and vandalism can cause costly damage. If a tenant or visitor makes a legal claim, landlords may face large payouts. Without proper insurance, these costs could seriously affect your business. A common issue is underinsurance - when a policy does not cover the full cost of rebuilding

Already, it’s beginning to feel like the word ‘uncertainty’ is making a comeback this year, if it ever really went away. The combination...

Underinsurance can be a big problem for commercial property owners. It happens when the amount insured for a property is too low to cover the full cost of rebuilding after damage. This can leave property owners with unexpected costs or denied claims. If you need commercial property owners' insurance, the risk of underinsurance can be high if rebuilding costs are not calculated correctly. In this blog, we’ll look at the dangers of underinsurance and how it affects your commerc

When looking into insurance, it’s easy to feel overwhelmed by all the information out there. That’s why our guides are here to answer common questions about property insurance in a clear and simple way. This guide focuses on the key things you need to know about commercial building insurance. Let’s start with the basics... What is commercial building insurance? It is an essential safeguard for property owners. This insurance protects you from unexpected events that could lead

When it comes to protecting your home, the type of construction plays a big role in determining the kind of insurance you need. Many homeowners are familiar with standard construction homes, built with brick walls and tiled or slate roofs. But if your home falls into the category of a non-standard build, finding the right insurance can be a bit more complex. With unique properties, such as steel-framed houses or timber-framed cottages, standard insurance policies may not prov

A rise in property insurance premiums in the third quarter of this year has been linked to more widespread adoption of rebuild cost...

Is building insurance a legal requirement or just a recommended safeguard? You’re not the only person to ask this question.   With all the costs involved with owning a home these days, home insurance can feel like just another frustrating expense. You might also be asking yourself whether it’s worth it at all. Couldn’t you save a few pennies by doing away with it? You’ve come to the right place. This blog will help clarify when buildings insurance may be required, the differe

It’s easy to feel a bit lost when trying to pick the right home insurance cover. With so much fine print and a range of add-ons and extras on offer, it’s hard to know what’s right for your property. Do you need every additional feature, or are there some that you could skip to save on premiums? And most importantly, how do you choose the right type of cover to protect your home without stretching your budget? We know how puzzling all the insurance jargon can be. That’s why we

Everyone knows that renovations can be just as stressful as they are exciting. Undertaking any home improvement project comes with risks, and one of the biggest concerns for homeowners is poor workmanship. Shoddy construction or faulty installations can lead to significant problems and costly repairs. Unfortunately, many homeowners assume that their insurance coverage will protect them from these risks, but it's important to understand what’s covered and what’s not. Ensuring

Imagine your boiler breaking down on a cold winter night, or a sudden burst pipe flooding your home. These things aren’t just inconvenient — they’re the kinds of emergencies that demand immediate attention. That’s where home emergency cover (sometimes called ‘home assistance cover’) comes in. It’s a much-needed safety net that ensures you can address these unexpected disasters without delays or out-of-pocket costs. Read on to find out if this extra layer of protection is rig

When it comes time to insure your new home or choose a new insurance policy for your existing property, you’re probably going to Google search ‘best home insurance’ or something similar. That search query is going to throw up a lot  of responses including the terms ‘building insurance’ and ‘home insurance’. And then the confusion begins. What is building insurance vs home insurance? Aren’t they the same thing? Or do I need two different policies? How much is this going to cos

Curious about the accuracy of your property's insurance coverage? At RebuildCostASSESSMENT.com, we've developed the Rebuild Checker , a...

When your home becomes uninhabitable due to fire, flood, or another unexpected disaster, finding somewhere else to stay can be really stressful (and expensive!). This is where alternative accommodation insurance comes in handy, providing financial protection if the worst happens. But does your buildings insurance cover this, or do you need a separate policy? In this post, we’ll look at the importance of alternative accommodation cover, discuss the types of accommodation avail

Understanding your sum insured for home insurance is one of the most important aspects of your insurance policy. After all, it’s the amount you’ll rely on if something goes wrong, like a fire, flood, or other unexpected event. Getting this right means the difference between being fully covered or facing a hefty financial shortfall. Many homeowners mistakenly think they’re covered for the property’s market value, but that’s not always the case. In this blog, we’ll explain why

Buying a home, whether it’s your first home or not, is a really exciting time. But before you can move in and get settled, there are a few things you need to take care of! One of these is insurance. Building insurance when buying a house is an essential step in protecting your new investment. It covers the cost of rebuilding your home if it's damaged by events like fire, storms, or even vandalism. While it’s easy to get caught up in the excitement of becoming a homeowner, arr

Wondering if your property's location affects your rebuild cost? It does—and quite significantly Why location impacts rebuild costs ...