An essential insurance policy which covers the structure of the building. Where the property is leasehold the buildings insurance will normally be arranged by the freeholder and the cost charged on to the leaseholder within the service charges payable. See uninsurable, contents insurance.

Buildings and contents insurance are required when most mortgages are put in place. It is possible to shp around for a provider online or speak to the brokerage that is arranging your mortgage or remortgage if there is an intermediary you are using.