To ask you how much your buildings insurance cost?

[girlfriend44]

Not contents insurance, just the cost of insuring your building please?
How much do you pay a year?

Not all policies are equal. Plenty of people don't put in enough contents cover (e.g. £20k for a 4 bed house when the average home has £35k contents). If they're underinsured the claim will be reduced. They also leave off accidental damage cover, and don't look at things like alternative accommodation amounts (you'll need somewhere to live if your house burns down, otherwise you've to pay rent and your mortgage), trace and access costs to find a leak, etc.

I always add home emergency cover as well.

About £500 for a pretty big (but modern) house. Am wondering how fancy the houses are which cost £3k to insure

Mine is 1 million rebuild costs, 100,000 contents plus possessions elsewhere, emergency and all those bits you mention including all the excavation for water pipes etc Most of them are pretty standard now or only a few pounds extra.

A million rebuild? Wow that’s huge, so your home is worth a min of 5 million, likely more?

People who rent the building they live in

About £120 a year in our last house (moved a few months ago) - new build, detached.
About £750 in our new to use large victorian house (was by far the cheapest we could find, with Halifax, lots of insurers wouldn't insure as "too big" or asked for £3k+)

But then you’d not be answering this thread? Right?

I was just pointing out that there aren't many people who take out buildings insurance on its own, although some do take contents only, so it's hard to quote a cost for just buildings as the OP asked.

In my industry we get the odd person panic buying buildings to complete on their purchase, then getting contents later, but that's it.

Im confused?

Are people who rent and therefor dont own a building to insure Morons?

Yes i've answered and I pay 4 figures to insure my 250 year old listed buidling. (which most companies refuse to insure)

The people who live in a property I own do not pay to insure my building that they live in, and are not morons.

I genuinely don’t understand what you’re saying. Folks who rent don’t take out buildings insurance, clearly, did you quote the wrong person? If you rwnr and don’t take out buildings, why would you answer the op on how much your buildings is?

"drpet49 · Today 21:34
AndIKnewYouMeantIt · Today 21:28

People don't really tend to separate them out. Plenty have contents only but not building insurance.

Mine's about £260 a year for a 4 bed terrace in a small town.
What kind of moron doesn’t take out buildings insurance"

I was replying to drpet49 who implied people who dont have buildings insurance are morons...... which is quite rude considering a lot of the population dont need buildings insurance.

Yes i have buildings insurance
People who dont have buildings insurance are not necessarily morons, as there are valid reasons for not having it.

And if you dont have a mortgage its your own choice anyway (I will always insure my building no matter if its mortgaged or not!)

ah ok, you were respoding to someone else and quoted me. That’s the confusion. Generally quote the person you’re responding to. It saves this issue.

Mine is combined it was £209. £100 excess. 8 yrs no claims. That's for 5 bedroom 3 bathroom detached property. Not sure what the split is between building and contents. Renewal was £270 I moved company to get the cheaper price.

Why would I lie? The 1 million is the top amount allowable. Rebuild cost is 750k. I million is standard in any policies I have been quoted on.

I know. Its fascinating how often people do this on MN.

See also how much is your gas and electricity with no context about house size, type of heating etc or whether they mean current direct debit or cost over a certain period.

Or how much do you have left after bills without defining what they mean by bills, or details of circumstances.

Ends up being 'post a random number between X and Y'.

Chuffin 'ell. Where the hell do you live?

No idea how to separate them either.

OH pays £86 a year for his little house and mine is slightly bigger so I paid £112 last year, just gone up to £150ish. But those prices include contents insurance.

The "moron" who rents and doesn't need to insure their landlords asset. Even if they wanted to, you can't usually insure something you don't have a interest in.

Well I've learned something today.....I had no idea that listed building/thatched roof cover would be so expensive. I'm stunned.

A friend once complained to me about her house insurance. It was listed and she paid close to £3000. I was outraged - it was more than I paid for a much bigger house, a smaller house and the contents insurance for five properties. She shopped around and halved it. Sure listed buildings may be more expensive to repair, but always shop around every year.

How much are you paying, @girlfriend44 ?

Just over 100 for buildings and contents here - 113 rings a bell? And yes, to whoever asked, we have increased the contents to way more than average, but we don't have accidental cover - we would replace or repair from savings if we smashed something.

Northamptonshire, so no where special! I said above, it's very old, listed and wooden, no one else apart from NFU will touch it with a bargepole so we have no choice. It's actually not that big at all and in a completely non descript village. I question my life choices quite often

Just renewed ours. Current supplier wanted to put price up over 1/3rd. Managed to find a breeder deal and saved over £100. Think it’s £207 we pay with legal and accidental damage cover etc.

Our combined B&C insurance is just under £100.

How long is a piece of string? Ours is about £130 for buildings and contents combined.