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Construction costs across the UK remain high as we enter winter 2026. While inflation has slowed in the broader economy, rebuild costs continue to rise – driven by elevated labour rates, material inputs, and regulatory pressures. For property owners and insurance professionals, this means one thing: regular, data-driven review of sums insured is more critical than ever. Rebuild costs still rising “While the headline rate might look moderate, the detail tells a different story

Eviction is becoming slower and more costly. With Section 21 ending under the Renters’ Rights Bill, landlords now face longer court delays and higher legal fees when a tenant stops paying rent. Protecting rental income is more important than ever. Three types of cover support this: Rent Guarantee Insurance  – protects you when a tenant does not pay Landlord Legal Expenses Insurance  – covers the legal cost of eviction Loss of Rent Insurance  – replaces income when the propert

Thatched properties are some of the most beautiful homes in the UK, full of history, character, and craftsmanship. But they’re also among the most complex when it comes to insurance. Because every thatched home is unique, estimating what it would cost to rebuild can be difficult. If your building's insurance hasn’t been reviewed for a while, there’s a real risk it no longer reflects the true rebuild cost.   Why thatched homes need special attention We’ve assessed thousands of

The Renters’ Rights Act 2025, which received Royal Assent on 27 October, marks the biggest overhaul of England’s private rental sector in a generation. While much of the attention has centred on tenant protections and the end of “no-fault” evictions, the law could also reshape the financial landscape for landlords and insurers, particularly when it comes to rebuild costs. Higher property standards, higher rebuild values A major shift lies in the extension of the Decent Homes

Landlord insurance quotes in the UK can vary a lot – not only in price, but in what they actually cover. Before you compare policies or look for the lowest premium, it helps to understand what drives those costs and how to make a fair comparison. A key factor is your property’s rebuild cost – the amount every insurer uses to set your premium. If that figure is wrong, the rest of your cover can quickly fall apart. Recent data  from over 43,000 assessments by RebuildCostASSESSM

Landlord insurance add-ons: are they really protecting you? When you take out landlord home insurance cover, you want to protect both your income and your property. Many landlords looking for total landlord legal & rent protection insurance add extras. These include rent guarantee, landlord home emergency cover, or boiler breakdown insurance. All which help with the most common problems, such as broken boilers, burst pipes, or tenants who stop paying rent. But what if, even w

Inaccurate building insurance continues to pose significant risks across the UK, with the latest property insurance infographic from...

The government has confirmed that a Building Safety Levy will come into effect on 1 October 2026 . It’s part of the ongoing reforms...

Protecting your investment the right way At RebuildCostASSESSMENT.com, our mission is clear: to eradicate inaccurate building sums...

RebuildCostASSESSMENT.com has released a new guide revealing how construction labour shortages are driving up rebuild costs and leaving a...

What’s included in a commercial building insurance valuation? Y ou probably already know that rebuild cost is a key figure when looking...

If you’re in the middle of comparing quotes for commercial building insurance – whether it’s for a renewal or a newly acquired property –...

The 79% wake-up call: Most commercial properties are underinsured Our data shows that 79% of commercial properties in the UK are...

If your fire insurance quote was quick and easy to get, it might not cover the real risks your property faces. Many commercial property...

Understanding commercial property insurance: more than just a policy Whether you run a busy shop or work from a spare room at home,...

Many landlords think that passing insurance costs to tenants protects them from risk. But what if this approach is leaving you exposed to...

It’s a common assumption that a free online rebuild cost calculator will give you an accurate idea of how much to insure your home for....

The cost to rebuild your property isn't just about bricks and mortar, it's shaped by a number of key factors that many homeowners...

The impact of 'Liberation Day' on the world's stock markets has been immediate and significant, but how will Trump's tariffs affect...

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

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

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

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

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...

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

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...

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