Buildings insurance summary

These are just some of the benefits you get with a Direct Line Buildings Insurance policy. Check out what other home insurance products we offer below.

If you would like our highest level of cover, SELECT Premier home insurance is suitable for customers with £100,000 of contents and above.

Home Insurance Home Insurance Plus SELECT Premier
Loss or damage to walls, roofs, driveways, patios, conservatories, outbuildings, permanent fixtures (e.g. kitchen, bathroom, fitted wardrobes) caused by fire, lightning, smoke, storm or flood Up to £1,000,000 Unlimited Unlimited
External door locks where keys have been lost or stolen Included as standard Included as standard Included as standard
Damage to plumbing installation caused by freezing/bursting Included as standard Included as standard Included as standard
Accidental damage Optional extra Included as standard Included as standard
Alternative accomodation (Buildings) - following an insured event Up to £25,000 Up to £50,000 Unlimited
Get a home quote

Direct Line buildings insurance?

If your home or any outbuildings are damaged due to things like fire or flooding, having buildings insurance could save the day.

Unlike contents insurance, which covers your belongings, buildings insurance covers your roof, floors, windows, doors or ceilings - up to £1,000,000 with our home insurance policy.

What else do I get with Direct Line buildings insurance?

  • Covers the structure of your home, roofs, walls, fences, gates and outbuildings, plus permanent fixtures like kitchens, bathrooms and fitted wardrobes
  • Covers fire, lightning, storm or flood (excluding fences and gates), theft, explosion, escape of water or oil, vandalism and subsidence
  • Covers the cost of alternative accommodation if necessary (following an insured event)
  • Access to our 24-hour Emergency Helpline

Other insurance we offer

Contents insurance

This is ideal if you rent your home. It covers items inside the house, garage, shed and garden.

Jewellery insurance

Insure jewellery and watches worth £3,000 or more with our standalone insurance.

Tenants contents insurance

Get contents insurance from £60

Need more help?

Give us a call and we’ll get it sorted for you

0345 246 8372

Opening hours:

  • Mon - Fri 8am - 8pm
  • Sat 9am - 5pm
  • Sun 9am - 4pm

Need more help?

Our webchat team can answer your questions

Get in touch

Latest articles

All home insurance articles and guides


Storm-proof your home

High winds and heavy rain can wreak havoc on your home, causing considerable damage. Knowing what to do, and acting quickly, is key to minimising damage. Read on to find out how to protect your property and what you can claim for if storms cause any damages.


Top 5 things to know about buying a listed property

The house of your dreams is listed. Should that put you off? With around 500,000 listed buildings in the UK, it's worth getting informed. From permissions to insurance, we go through the things you need to know about buying a listed property.


A guide to green homes

It's more important than ever to think about the environment. We can't just flick a switch and improve things overnight, but we can do our part at home to make things a little better.