Buildings insurance - Where to buy

You can get quotes and buy buildings insurance either direct from an insurer or through a broker or other intermediary; most will deal by phone. When getting quotes, check that they include insurance premium tax.
The price you pay for a sum-insured policy is based on the rebuilding cost of your home, which in turn depends on where you live and the type of house or flat you live in. if you live in an area prone to subsidence, you will be classed as ‘high risk’. Scotland and Northern Ireland are less prone to subsidence than other areas of the UK and are rated as ‘low risk’ by most insurers.
Once you have filled in your application form or given your agreement over the phone, you should receive policy documents, together with details of how to pay. Check these documents very carefully to make sure that you are not buying the cover you asked for. If anything is not clear, ask for an explanation.