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 Defaqto 5 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. 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 Home Insurance has a Defaqto 5 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?
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 Europe 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:
Home Insurance frequently asked questions
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. You can add accidental damage to your policy in Your Insurance Account. There are no fees for changing your policy online, but your premium will increase. To make this change, follow these steps:
- After logging in, select the policy and click ‘Make changes’.
- Under ‘Your cover’ select ‘Change your contents cover’.
- We’ll then ask a few questions. If you answer no to any of the questions, contact us to change your policy.
- Choose the date you’d like the cover to start.
- When asked ‘Would you like to add accidental damage cover?’ select ‘Yes’ then click ‘Continue’.
- We’ll then show you the cost of making the change and the option of adding any optional extras to your policy.
- If you’re happy with this and want to go ahead, click ‘Go to checkout’.
If you need time to think about the quote, you can exit by clicking ‘Back to your account’. We’ll save your quote for you, and you can access it by heading to ‘Your saved change quotes’ on your account page. You can exit on the last page.
You can find more information on our Home Insurance pages on our website. Exclusions and limitations apply – for full details, see your Policy Booklet.
Maximum coverage amounts
Our maximum coverage amounts are:
- Policies that start with TI - £600
- Policies that start with QH - £1,500 (subject to excesses)
You can’t collect Clubcard points on Tesco Home Insurance Premium. However, Clubcard members can still get a discount on their policy. Additionally, this discount doesn’t apply to Home Emergency cover or Family Legal Guard.
Depending on which policy you have with us, you may or may not need to specify items with your policy. We’ve explained how this works for both types of policy below. A few steps describing how to add items to your policy are at the bottom of this page.
Policies that start with TI
You’ll have to specify any items you wear or carry outside the home and are worth over £2,000. A few common examples include engagement rings, watches, and cameras. You can cover 1 item worth £20,000 or several items up to that limit. By specifying an item, you’ll be covered for loss, theft, and damage in the UK (including your home) and up to 60 days abroad.
You don’t need to specify items for cover within the home, but check your Policy Schedule for limits. You can add items to your policy in Your Insurance Account. There are no fees for changing your policy online, but your premium may increase.
Policies that start with QH
There’s no need to specify items for cover at home for this policy. This is because they come with Click & You’re Covered Home Insurance. If you want cover for items away from your home, you should add personal possessions cover. This cover can be for up to £15,000 with a single item limit of £5,000.
You can add personal possessions cover to your policy in Your Insurance Account. There are no fees for changing your policy online, but your premium may increase.
How to add an item to your policy
To add an item to your policy, follow these steps:
- After logging in, select the policy and click ‘Make changes’.
- Select ‘Amend contents cover’ from the drop-down menu.
- Scroll down and select 'Add item' before completing all the relevant fields.
- We’ll then show you the cost of making the change and the option of adding any optional extras to your policy.
- Decide whether you’d like to pay the premium monthly or pay it in full.
- Choose the date you’d like the cover to start.
- Read the statements and, if you’re happy with the terms, click ‘Confirm’.
Excesses and limitations apply. For full details, see your Policy Booklet.
You can add Family Legal Guard to your home insurance policy for an added premium. Family Legal Guard provides you and your family with up to £100,000 cover for legal expenses relating to:
- Personal injury claims
- Contract disputes
- Property disputes
- Employment disputes
- Tax protection
- Inheritance
- Jury service salary cover
- Legal defence as an employee
- Motoring prosecution
If you already have Legal Protection elsewhere, there may be some overlap with this cover. Terms and conditions apply. For full details, see your Policy Booklet. Family Legal Guard is underwritten by Am Trust Europe Limited.
You can renew your policy by logging in to Your Insurance Account and following 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 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*.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
You must tell us about any building work you plan to have carried out within your home before it takes place. Because of the change to your home, your premium may change, and we may change the terms of your policy.
If you don’t tell us about any building work before it takes place, we may refuse to pay a claim or pay only part of a claim.
To tell us about any building work you have planned, call us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.
For more information on what changes you need to tell us about, see section 1 of your policy conditions in your Policy Booklet. Details of any exclusions and limitations are also available.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
Your cover will depend on which policy you have. Check your level of cover by logging in to Your Insurance Account and looking at your policy documents.
Contents
Contents cover protects the belongings you have in and around your home. Your maximum cover depends on what your policy number starts with:
- TI – contents covered up to £100,000
- QH – contents covered up to £75,000
If you’re an existing customer, your contents cover limits are detailed on your Policy Schedule. Tesco Contents Insurance includes:
- Cover against theft, fire, flood, and storm
- Cover when moving home
- Alternative accommodation and storage
- 24-hour Household Emergency Helpline (for Tesco Underwriting Finest policies only)
You can also extend your coverage for an added premium. This includes:
- Cover for personal possessions
- Extended accidental damage cover
- Cover for items away from the home.
Buildings
Buildings insurance covers the structure of your home, including drives and any outbuildings. It also covers all your fixtures and fittings. Our buildings insurance also covers rebuild costs if your home gets damaged or destroyed.
All our policies include cover for alternative accommodation and rent. The limits of this cover vary depending on the policy you hold. Exclusions and limitations apply – for full details, see your Policy Booklet.
You can change your address at any time in Your Insurance Account. As well as your new postcode and house number, you’ll information on:
- What year the property was built
- The type of building
- 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.
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*. Fees will be charged to cancel your policy. See your Policy Booklet for details.
You can opt out of automatic renewal at any time. Just log in to Your Insurance Account and click ‘Manage Renewal’.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
If you're worried about falling behind on your payments, please call us on 0345 246 2904*. You'll need to get in touch at least 10 days before your payment is due so we can discuss your options.
You can also choose to reduce or change your payment. You can do this by adjusting your cover or changing your Direct Debit date.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
First off, call a plumber to fix the leak and prevent any further damage from being caused to your home. If you have home emergency cover as an optional extra, they may be able to assist you. You can check and view your cover through Your Insurance Account.
Once the leak has been sorted, our claims team will be on hand to support you. You can contact the claims team on 0345 246 2904* or visit our Home Insurance claims: how to claim page. You can also head to Your Insurance Account and select ‘Make a claim’ from the top of the page.
There are a few things we’ll need to assess your claim. Before getting in touch, go through this checklist:
- Ask your plumber to trace and access the source of the leak before documenting it in a cause of damage report.
- Check the invoice from your plumber is broken down to show the individual costs of repairs, trace and access, and the cause of damage report.
- Take photographs of any damage to assist our claim specialists in assessing your claim.
If our assessment shows that you're covered, we'll pay you up to the limit in your policy schedule. Some of the costs we might cover include work to trace and access the cause of the leak and the cost of removing and replacing parts of walls, floors, and ceilings. You'll also be able to claim for the resulting water damage caused by the leak. However, you won't be able to claim for the leaking pipe itself as this is not covered by our policy.
For more information on what you're covered for, see your policy schedule and policy booklet.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
If you work from home or are thinking of working from home, call us and we will check what type of cover we can offer.
Our definition of home working is:
‘Any administrative, clerical, or childminding work carried out at home or in any building that is part of your property.’
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.