Unlimited home insurance

If you own a home that would cost a large amount of money to rebuild – perhaps it’s listed, or very large, or designed by a famous architect – unlimited home insurance could be worthwhile.   

Unlimited buildings insurance means that you don’t need to reassess your cover level if you extend or improve your home. You should, however, still make your insurance provider aware if you’re making significant changes to your home, which covers renovations, building additions and substantial maintenance projects. 

But before you buy an unlimited home insurance policy, shop around to see what cover is offered by standard buildings insurance policies – you could find one that meets your needs.

Your buildings insurance needs to cover your home’s total rebuild cost – meaning, how much it would cost to rebuild it from the ground up, in the same location, if it were destroyed. It includes everything from architect’s fees to site clearance costs. This isn’t the same as your home's market value – indeed, it’s often less.

A chartered surveyor can help you with your home's rebuild cost, or you can use the rebuild cost calculator provided by The Building Cost Information Service (BCIS) of the Royal Institution of Chartered Surveyors (RICS). 

You can also calculate the rebuild value of your house using the BCIS service when you compare buildings insurance with us.

Don’t forget that the amount will rise (or fall) over time with inflation – so you might need to revisit the valuation. Read our guide to calculating the rebuild cost of your home for more information.

Buildings insurance protects the bricks and mortar of your house – as well as your fitted kitchen and bathroom, and often outbuildings – against events including: 

• theft and vandalism

• fire, flood, earthquakes and explosions

• storms and weather damage

• subsidence

• fallen trees or lamp posts 

Regardless of whether it’s an unlimited policy or standard cover, most buildings insurance usually won’t pay out for: 

• general wear and tear

• storm damage to gates and fences

• damage from insects or birds

Every policy is different though, so check the policy documents to be sure what is and isn’t covered. 

Unlimited contents insurance is sometimes referred to as ‘unlimited sum insured’ and it basically means that all your home contents are covered by the policy.  

It’s likely to cost you more than standard content insurance, but it takes away the worry of being underinsured. 

There are plenty of online content calculators to help you estimate the value of your home contents. When you get a quote with us, you’ll have the option to use our contents calculator to help you understand how much cover you need.  

Otherwise, you can go from room to room with a pen and paper, and estimate the value of your home contents. It may take a little while but it’s certainly worth your time. 

It could be, if you own a lot of priceless antiques or art. But the chances are you’ll find a much cheaper deal if you opt for a contents policy with an upper limit. And for many homeowners, that limit is more than adequate to give them total peace of mind.

We can help you with that. It takes just a few minutes to compare quotes from a range of trusted UK insurance providers – with our handy comparison tool. So why not give it a try today and see if you could save?