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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 ...

Securing a mortgage is a big milestone, but there’s more to it than just signing the dotted line. Before you can pop the champagne and toast to your new home, you need to have the right building insurance for mortgage approval. Why? Because building insurance protects both you and your lender from potential financial disaster if your home is damaged or destroyed. Whether you’re buying a house, remortgaging, or just curious, it’s very important to understand how building insur

When you're planning a renovation, it's really important to make sure you’ve got the right insurance in place. Renovation projects can be full of surprises — some good, and some not so good — like accidental damage, theft, or even liability issues if someone gets hurt. The last thing you want is to be caught off guard, especially if your regular home insurance doesn’t cover the work you’re doing. Your standard home insurance might not cover major renovations, which could leav

The percentage of UK buildings that are underinsured has fallen to its lowest level for at least 6 years, but remains ‘unacceptably...

Life's little mishaps can lead to big repair bills for your home. That’s where accidental damage cover steps in, offering an optional extra for your buildings insurance or home insurance. But is it worth it? Understanding the perks and pitfalls of accidental damage cover will help you decide if it's a wise choice for you. What is accidental damage cover? Accidental damage cover is like a safety net for those unexpected “Oops!” moments that cause damage to your home or persona

Did you know that around 23% of UK properties are overinsured? Even more surprisingly, nearly 70% are underinsured! (See the full statistics here .) Why do so many property owners get it wrong? When it comes to the level of cover in your building insurance policy, the devil is in the details, which can be complex! We're here to break down those details and make finding the perfect level of cover simpler. Why is it important to get the right level of cover? Getting the right l

Building insurance is one of the most important aspects of owning a home and protecting your investment. But how do you know if you’re covered for the right amount? And what about extreme weather events like storms or flooding? How about burglaries, burst pipes, or fires? Are your contents covered too? How much will the right policy set you back? It’s enough to make your head spin.  We know how challenging it can be to balance protecting your home and its contents while keepi

And that’s a wrap! The RebuildCostASSESSMENT.com Office Games have officially come to an end, with the closing ceremony taking place and...

Enhanced Commercial Desktop assessments are now available from RebuildCostASSESSMENT.com. This is our latest innovation in rebuild cost...

Many property owners don't think about underinsurance until it's too late. What exactly does it mean to be underinsured? It is often misunderstood, putting people and businesses unknowingly at financial risk. Complex building insurance policies and terms like the 'average clause' can make it difficult to know whether you are fully protected. From our latest data ,  we estimate that 70% of buildings in the UK are underinsured and 23% overinsured. This leaves just 7% of buildin

Brokers tell us that every now and then they face ‘difficult conversations’ with clients about all kinds of things, including...

Do you feel overwhelmed by the sheer volume of home insurance options out there? Hundreds of building insurance companies in the UK are all spending big money on telling you why they’re the best and why you should take out a policy with them. Sometimes, it might feel easier to pick one randomly or stick with your current provider to avoid the hassle. However, it's always a good idea to compare building insurance options. You might think the only benefit of this would be to sa

Understanding wear and tear when it comes to your home insurance is important. Let me tell you why… A few years ago, my home had a pretty bad water leak. It caused a lot of damage to the walls, floors, and an almost brand-new sofa. So, as you would, I contacted my insurance provider, hoping I’d be covered for the lot. However, I was told that my policy only covered sudden and accidental damage. ‘But surely this is exactly what’s happened?’ I thought… After taking a look at th

Construction inflation has softened over the past year and building costs are forecast to rise by around 3% in 2024. However, the risk of...

Insurance brokers have highlighted regulatory compliance as their number one concern this year, in a poll carried out by...

Imagine you've insured your property for an amount significantly lower than the rebuild cost. A disaster strikes, and the damages are extensive. Suddenly, you're faced with the reality that your insurance payout won't cover the full cost of rebuilding. This scenario, which could have devastating financial consequences, highlights the critical importance of a reinstatement cost assessment (RCA). What is a reinstatement cost assessment? A reinstatement cost assessment (RCA) es

Insurance can often feel like a bit of a puzzle. All the legal jargon and complicated rules can make it seem like you need a law degree just to understand it. Getting to grips with the difference between rebuild cost vs market value can also be tricky. But we're here to help. In this blog post, we'll unravel these important concepts and show you why they matter when it comes to your insurance. Rebuild cost vs market value The difference between market value and reinstatement

Today, we're shedding light on an essential aspect of property ownership: The validity period of your rebuild cost assessment (RCA). Whether you're a commercial property owner or a homeowner, understanding this crucial timeframe can have a significant impact on your financial security and peace of mind. What is a rebuild cost assessment? Before we dive into the validity period of your RCA, let's briefly recap what a rebuild cost assessment is and why it's indispensable for in