Buildings Insurance

Your home is more than just an asset. Our buildings insurance could protect your bricks and mortar and any of the fixtures and fittings in your home.

    Why choose Tesco Bank Buildings Insurance?

    • Unlimited building cover as standard
    • Alternative accommodation if your home isn't safe to live in Terms apply
    • Burst and blocked pipes covered up to £5,000 Terms apply
    • Cover that's Defaqto 5 Star rated
    • Manage your home insurance policy online 24/7 in Your Insurance Account

    Spend less on home insurance with your Clubcard

    If you have a Clubcard, we’ll try to find it automatically when you get a quote. If we can’t, just enter it when prompted.

        What’s covered with Tesco Bank Buildings Insurance?

        Our buildings insurance protects your bricks and mortar, as well as the permanent fixtures and fittings inside.

          Repair and rebuild – we're here to help

          If the worst happens and you need to repair or rebuild your property, don't worry. Whether it's from falling branches, flood or fire, Tesco Bank Home Insurance gives you unlimited cover to pay for the cost of fixing your home and any outbuildings – including the wall around the edge of your land.

            If it's built-in, it's covered

            We haven't forgotten the permanent fixtures in your home so rest assured that your built-in kitchen and wardrobes, showers and baths are covered too.


              We will cover your property should it be exposed to subsidence or heave of the site on which the buildings stand, or in the event of a landslip.

                Liability Cover

                As the owner of the property your liability is covered. Our buildings insurance gives you up to £2m protection if someone is injured, dies, or other circumstances occur where you are legally responsible as the owner of the property, to pay damages.

                If you are both the owner and the occupier of the building, to protect yourself you will also need to arrange contents insurance which provides occupier's liability cover.

                  Pipes and plumbing

                  You're covered for any repairs to burst or freezing pipes, whether it's water pipes or those carrying heating oil.

                  And if a sewer pipe gets blocked, we'll pay up to £5,000 to cover the cost of getting into the pipe between the main sewer and your home and fixing the problem.

                  We understand that a heating or plumbing emergency can turn your household upside down, so we will help you get back to normal as soon as possible so for an additional premium, our UK Home Emergency cover can make sure it gets sorted out as quickly as possible.

                  Home Emergency cover is underwritten by Inter Partner Assistance S.A. UK Branch.

                    Accidental breakage, fixed

                    Accidents happen. So if your windows, the glass in your doors or even your solar panels get broken, we'll pay for replacements. We know that even the hardy bathroom sink isn't safe (aftershave bottles don’t bounce!) so the bathroom suite's covered too.

                      Replacement locks fitted for you

                      If you lose your house keys outside the home, or if they get stolen, we'll pay for new locks on your outside doors, helping to secure your home and your peace of mind.

                        Alternative accommodation when you need it most

                        If the damage to your home means that it isn't safe to stay there, we'll make sure that you and your loved ones, including your pets, have a suitable place to live while it's being repaired - up to a total of £50,000.

                        We also have a number of optional extras to boost your cover for an additional premium.

                        Monetary levels, excesses and exclusions apply. For full details of cover and exclusions please read the policy documents. See our policy documents

                          You can tailor your buildings insurance by adding these optional extras for an additional premium.

                            Extended accidental damage

                            You'll get all the cover provided with our standard package, plus protection against things like:

                            • Putting your foot through ceiling when you're in the loft
                            • Banging the hammer through a wall when you're hanging a picture
                            • Burning the kitchen worktop with a hot pan

                            Home Emergency cover

                            We offer 2 levels of Home Emergency cover for you to choose from, providing you with 24-hour urgent assistance across a range of emergencies in your home from plumbing, security, drainage, and loss of power to issues with your heating, boiler and pests.

                            • Up to £1.000 for call-outs, labour, parts and materials
                            • 24-hour access to Home Emergency claims centre
                            • No excess to pay and unlimited call-outs

                            Home Emergency cover is underwritten by Inter Partner Assistance S.A.

                              Family Legal Guard

                              This provides cover of up to £100,000 for legal fees and costs, to help you, or a member of your family who normally lives with you, to claim compensation or to pursue and in some instances defend your or their legal rights.

                              Family Legal Guard is underwritten by AmTrust Europe Limited.

                              Monetary levels, excesses and exclusions apply. For full details of cover and exclusions please read the policy documents. See our policy documents

                                Your Insurance Account

                                • No admin fees for changes made to your policy in Your Insurance Account
                                • View, print and download all your home insurance policy documents at any time
                                • Tell us if you are moving home
                                • Update your personal details whenever you want, including your address, email address and phone number
                                • Send us your documents electronically and securely

                                Three levels of cover for your home

                                Contents only

                                It's not just stuff, it's what makes your house your home. Make sure your home contents are covered if something goes wrong.

                                Buildings only

                                As a homeowner, the biggest asset you own is probably your home. So it's important your home is covered in case the worst happens.

                                Buildings & Contents

                                Cover for your home and your belongings; from floor to ceiling and everything else.

                                Defaqto 5 Star rated

                                Defaqto is an independent researcher of financial products, focused on providing intelligence to support better decision making. Tesco Bank Home Insurance has a Defaqto 5 Star Rating in the UK which means it has a comprehensive level of features and benefits.

                                    Defaqto logo 2022

                                    Help for existing policyholders

                                    Need to check your policy documents or need to make a claim?

                                    Important information

                                    Tesco Bank Home Insurance is arranged and administered by Tesco Bank and is underwritten by Tesco Underwriting Ltd.

                                      Home Emergency cover is underwritten by Inter Partner Assistance S.A. UK Branch.

                                      Family Legal Guard is underwritten by AmTrust Europe Limited.

                                        Before you buy your Tesco Bank Home Insurance online, please read the policy documents to ensure that the policy you select meets your needs. The policy booklet and product information documents outline the benefits, limitations and exclusions that will apply to your cover.

                                          For Home Insurance policies starting on or after the 22 May 2024:

                                            For Home Insurance policies starting before 22 May 2024:

                                              Help and support

                                              Whether you've got specific questions or need to change your personal details, we're here to help.