• Gradual wear and tear – buildings insurance doesn’t cover the cost of damage to your property caused by natural decline over time. It’s for one-off events like fire, theft, or flood.
• General maintenance – things like a broken boiler, leaky gutter or roof fall under the general cost of maintaining your home.
• Fences damaged by storm – the cost of repairing or replacing fences damaged during a storm isn’t covered.

We do offer live chat, here's how to access our Live Chat if it doesn't appear for you:

1. Click on the blue shield in the bottom left hand corner of the screen.
2. Click 'allow all'.
3. Click 'confirm my choices'.
4. The chat logo will then appear in the bottom right hand corner.

Our Live Chat opening hours are:

• Monday to Friday, 8am - 8pm
• Saturday and bank holidays, 9am - 5pm
• Sunday, 10am - 4pm

Please note you can only access our live chat from our Home Insurance and Car Insurance landing pages, and our Contact Us pages.

Yes, we can offer a quote as long as you know all the details, but we can only insure the property from the date you actually exchange contracts.

Underinsurance is when your home insurance policy doesn’t fully cover your buildings up to their true value.

This can happen if you underestimate what your property is worth when you get a quote.

To get the right level of cover, you need to make sure your ‘total sum insured’ is enough to cover everything. If not, you might underpay for your premium, leaving your home underinsured.

If this happens and you make a claim, you may have to cover some of the costs yourself. 

It’s important your total sum insured is enough to rebuild your home, or a claim may be rejected. In some circumstances, your policy could be cancelled or ‘voided’ (treated as though it never existed).

We can cover an annexe as long as your main home is also insured with us. It would need to have the same postal address as your home and be occupied by a member of your family. We just need to update the total number of bedrooms and bathrooms at the property to include the annexe.

If it has a separate postal address, is completely detached from the main home or is lived in by someone that’s not a member of your family, we won't be able to cover it.

You'll need to let us know the type of work carried out from your home so we can let you know if any additional terms apply.

Clerical work from the home would be classed as 'Office use without visitors' and you should still tell us about it. This could include secretarial tasks, for example, and duties like typing, emailing, answering phone calls and taking messages.

An example of ‘other business use’ would be if you run a beauty therapy business from your home or you have a room for tutoring.

You should also let us know if you work from an outbuilding, such as a detached garage.

Allianz Online Buildings Insurance covers blocked drains or pipes up to the building’s ‘sum insured’ on the policy.