How do I find the best buildings insurance?
Finding the best buildings insurance policy can be tough - pick purely based on price and you could be left short and significantly out of pocket should you need to claim.
Which? experts scrutinise 35 home insurers’ buildings insurance policies, and survey thousands of buildings insurance policyholders. We've rated each policy on its key aspects to produce a Which? policy score.
This guide only looks at buildings insurance policies. For contents insurance policies click here and for our ratings of the best overall home insurers, click here.
What makes a Which? Recommended Provider?
To qualify as a Which? Recommended Provider, an insurer must:
- Be regulated by the Financial Conduct Authority
- Be available to the general public
- Have received responses from 30 or more customers in our customer survey
- Must a achieve high score in our Customer Satisfaction survey.
- Must also achieve an average or above Policy Scores for contents and buildings cover
Which? members can log in to see the results of our analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
Buildings insurance companies: which policy tops the table?
Click on the insurers to go to our dedicated review pages.
This table includes insurers both with and without a customer score. To only read reviews of insurers we’ve been able to give a customer score, go to our list of best and worst home insurance companies.
| Brand | Buildings score | Max buildings sum insured | Trace and Access | Repairs guarantee |
|---|---|---|---|---|
| 86% | | | |
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| 82% | | | |
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| 82% | | | |
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| 80% | | | |
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| 78% | | | |
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| 77% | | | |
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| 77% | | | |
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| 76% | | | |
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| 76% | | | |
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| 76% | | | |
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| 75% | | | |
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| 75% | | | |
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| 72% | | | |
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| 72% | | | |
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| 72% | | | |
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| 71% | | | |
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| 70% | | | |
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| 70% | | | |
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| 70% | | | |
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| 70% | | | |
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| 70% | | | |
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| 69% | | | |
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| 69% | | | |
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| 68% | | | |
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| 68% | | | |
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| 68% | | | |
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| 68% | | | |
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| 68% | | | |
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| 67% | | | |
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| 67% | | | |
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| 67% | | | |
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| 67% | | | |
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| 67% | | | |
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| 67% | | | |
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| 66% | | | |
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| 66% | | | |
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| 65% | | | |
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| 65% | | | |
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| 65% | | | |
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| 64% | | | |
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| 64% | | | |
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| 64% | | | |
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| 64% | | | |
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| 64% | | | |
|
| 63% | | | |
|
| 63% | | | |
|
| 62% | | | |
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| 61% | | | |
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| 61% | | | |
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| 60% | | | |
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| 60% | | | |
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| 60% | | | |
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| 59% | | | |
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| 59% | | | |
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| 59% | | | |
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| 58% | | | |
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| 56% | | | |
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| 56% | | | |
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| 55% | | | |
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| 54% | | | |
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| 53% | | | |
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| 49% | | | |
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| 44% | | | |
How we analyse buildings insurance policies
We analyse and rate 48 key elements of buildings insurance policies to come up with the overall policy score. We assess how important each individual element is to people when choosing and using a buildings insurance policy and weight it accordingly when calculating our total policy score.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.
