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What's included with our Buildings cover

  • Your buildings up to a value of £500,000

  • Repairing the damage caused by fire, flood, malicious damage, falling aerials, satellite dishes, branches or trees

  • Alternative accommodation, up to a value of £75,000 depending which level of cover you've selected, if your home becomes uninhabitable as a result of an approved claim

  • Accidental Damage to your buildings if you take out our Premier cover. Accidental Damage is optional with our Standard cover

  • The loss and cost of replacing locks and keys up to £750 on our Standard cover and up to £1,000 on our Premier cover

What you need to know about our Buildings cover

  • Damage to fences or gates caused by storms or flooding is not covered in our Buildings cover

Summary of Buildings cover

   Cover Standard Premier
Buildings £500,000 £500,000
Contents Not included Not included
Personal Belongings Not included Not included
Accidental Damage Optional Included
Garden Optional
Home Emergency Assistance Optional
(Up to £500 call out, labour and parts)
(Up to £500 call out, labour and parts)
Legal Expenses Optional
Pedal Cycle Not included Not included

Policy documents

For further detail about our home insurance products, take a look at the policy documents below.

RSA have been putting customers first for over 300 years, protecting the things you value most and helping make things better when the worst happens.

Frequently asked questions

How to make a claim on my home insurance?

Will my home insurance claim be settled on a 'new for old' basis?

What happens if I move house?

What is a Policy Excess?

Do I have to have both contents and buildings insurance?

View all West Brom Home Insurance FAQs

About our partner

Royal & Sun Alliance Insurance Group has been carefully selected to underwrite West Brom Home Insurance

West Brom Home Insurance is underwritten by Royal & Sun Alliance Insurance Ltd (no. 93792). Registered in England and Wales at St. Marks Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Reference No.202323.

West Brom Home Insurance is administered by Hood Group Ltd (No. 3139744). Registered in England and Wales at Hood Group Limited, 52/54 Alexandra Street, Southend-on-Sea, SS1 1BJ. Authorised and regulated by the Financial Conduct Authority (reference No. 616402).

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