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 Buildings Insurance?
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Unlimited building cover as standard -
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Alternative accommodation if your home isn't safe to live in Terms apply -
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Burst and blocked pipes covered up to £5,000 Terms apply -
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Cover that's Fairer Finance 4 Star rated -
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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 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 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.
Subsidence
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.
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 Specialty Limited.
Monetary levels, excesses and exclusions apply. For full details of cover and exclusions please read the 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.
Fairer Finance 4 Star rated
Fairer Finance is an independent researcher of financial products, focused on providing intelligence to support better decision making. Tesco Home Insurance has a Fairer Finance 4 Star rating in the UK which means it has a comprehensive level of features and benefits.
Help for existing policyholders
Need to check your policy documents or need to make a claim?
Home Insurance FAQs
We're sorry to hear you're considering cancelling your Home Insurance policy.
To cancel your policy, you will need to call us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. Fees will be charged to cancel your policy as per our terms and conditions which can be found in your policy booklet.
You can opt out of automatic renewal at any time. Just log in to Your Insurance Account or by calling us.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
You can change your address at any time in Your Insurance Account.
As well as your new postcode and house number, you’ll be asked for the following information: -
What year the property was built?
What type of building Is it?
What construction type?
To change your address, follow these steps:
After logging in, select the policy and click ‘Make changes’
- Select ‘Change your address’.
- Read the statements carefully and, if you’re happy with them, click ‘Confirm’.
- Choose the date you’d like the change to take effect.
- Add the details for your new address.
- If you’d like to change your correspondence address, you can do so here.
- Check all the information is correct before clicking ‘Save and get quote’. We’ll then show you the cost to make the change and a few optional extras for your policy.
There are no fees for changing your address online, but your premium may change.
If you get stuck, were here to help. Get in touch by calling us on 0345 246 2904* and we’ll chat you through it step by step. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
Tesco Home Insurance covers mobile phones and tablets for theft within the home. We cover tablets for accidental damage under home entertainment equipment cover. However, mobiles are not covered by this policy. You must add personal possessions cover if you want accidental damage cover for your mobile at home.
Policies that start with TI - £600 (subject to excesses)
Policies that start with QH - £1,500 (subject to excesses)
What’s not covered
- Mechanical or electrical faults or breakdowns.
- The total excess shown in your schedule for every claim.
- Any amount above the maximum claim limit shown on your schedule.
Full terms and conditions can be found in your policy booklet.
You can check if you have or add personal possessions to your policy by logging into Your Insurance Account or by calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
You can renew your policy by logging in to Your Insurance Account and follow these steps:
After logging in, select the policy and click ‘View renewal’. Check the information is up to date (any errors could leave you without cover and could also affect how much you pay). We’ll then ask if you're happy to renew automatically or want to change your payment details (if you pay in full, we'll take your payment immediately). Confirm your payment details. If your policy is set to renew automatically, you don't need to do anything unless your circumstances have changed or you want to change your policy.
If you pay by Direct Debit, your new payments will start automatically. If you pay annually, we'll automatically take the new payment from the same card you used last year.
If you’re currently paying annually, and would like to switch to Direct Debit, please call our renewal team on the number below who will discuss your options.
If your policy is not set to renew automatically and you wish to renew, you must contact us before your renewal date to ensure we can guarantee the price we have sent you. You can also find details on how to renew your quote in your invite email.
If your policy is set to automatically renew but you don't want to go ahead, you can make a change by logging in to Your Insurance Account or calling us on 0345 246 2904* Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
Important information
Tesco Home Insurance is arranged and administered by Tesco Insurance 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 Specialty Limited.
Before you buy your Tesco 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:
Contact us - we're here to help
Have a question or need help applying? Our friendly, UK-based customer service team is here to help.