How your external walls affect your building insurance premiums: a simple guide

How your external walls affect your building insurance premiums: a simple guide

You probably don't give much thought to your external walls and what they're made from. But did you know that the material used can affect how much you pay for your insurance? Read our guide to find out how.

Chris King From the Home team
3
minute read
posted

Just how many types of wall are there?

You'd be forgiven for thinking that a wall is a wall – few of us spend much time pondering what it's made from. But your walls can be constructed from a variety of materials, whether that's brick, stone or concrete, or something less conventional – like glass, timber or metal or even rammed earth or straw bales.

Just how many types of wall are there?

Which materials affect my building insurance premiums?


Bricks are hardwearing, plentiful and easy to find, which may lower the cost of your insurance premiums. Specific types of stone, such as flint or granite, are also hardwearing but can be expensive to source (especially if yours is an old property that must be rebuilt in a certain way).

Even if your walls are built using a seemingly everyday material, if your insurance provider considers it 'not normal', you're likely to pay a higher premium.

How do I know what my walls are made from?

If you commissioned a survey on your house when you bought it, the report will probably tell you what the external walls are made from. But in most cases, you'll be able to tell just by looking at it.

How do I know what my walls are made from?

What happens if I don't tell my insurance provider what my external walls are made from?


Different insurance providers will have their own ideas about what constitutes an 'unconventional' material, so shop around. And make sure you're as honest and accurate as possible when it comes to getting a quote

Sifting through the rubble – getting the right buildings insurance

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Sifting through the rubble – getting the right buildings insurance

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