With Buildings insurance, there are two very important areas to look at when deciding on your policy.

The first of these is the level of cover you have. The replacement cost of your home is not calculated on what it’s worth if you were to sell it on the open market today. It’s calculated on what it would cost to rebuild. In most cases this is a lot less than the current market value of your home, but it could be more.

So how do you work out this figure to make sure you have the right level of buildings cover? Generally, insurers will use an estimation based on the number of bedrooms, your postcode and the age of the property. They may then set an upper limit on the sum insured, which in most cases is vastly more than you will ever need.

The second area to address is possible exclusions on the policy. Some of the more common exclusions are for things like Subsidence and Flooding, however several policies have some less obvious exclusions.

These exclusions can be for things like leaving your home unoccupied for extending periods, so it's worth looking over the exclusions and deciding whether they might apply to your circumstances.

If you already know what you're looking for, you can skip straight to our featured insurance companies, or search the insurance directory directly to find the right insurer for you.