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Is online self-service home insurance right for you?
Why choose Allianz Online Buildings Insurance?
A world leading insurer
You'll have peace of mind that you're in safe hands with one of the world's leading insurers. We've got you covered.
Manage your policy online
Stay in control by using your Allianz account to check, change, and update your policy at a time that suits you.
Defaqto 5 Star rated
Defaqto has given our Allianz Online Gold and Silver Home Insurance 5 Stars – their highest rating.
Check out our Allianz Online Insurance customer reviews
What's included with Allianz Online Buildings Insurance?
Alternative accommodation
We'll pay towards somewhere to stay if repairs mean you and your family can't stay home after a claim.
Cover for unexpected damage
We’ll cover your property for damage caused by storm, flood, fire, smoke, lightning, explosion or earthquakes.
Cover for leaks and escapes
We’ll cover damage to your home caused by water or oil escaping from fixed tanks, pipes or domestic appliances.
Compare our 3 levels of buildings insurance cover
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Allianz Online Bronze
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Allianz Online Silver
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Allianz Online Gold
Buildings insurance that covers the basics...
Allianz Online Bronze Buildings Insurance includes:
Enhance your buildings cover with these optional extras:
- Add enhanced accidental damage to cover unexpected mishaps (think DIY and children).
- Add Home Emergency cover for issues like plumbing emergencies, infestations and loss of power.
- Add Home Legal Expenses for help pursuing a legal dispute such as a boundary issue.
Buildings insurance with more cover and flexibility...
Allianz Online Silver Buildings Insurance includes:
Enhance your buildings cover with these optional extras:
- Add enhanced accidental damage to cover unexpected mishaps (think DIY and children).
- Add Home Emergency cover for issues like plumbing emergencies, infestations and loss of power.
- Add Home Legal Expenses for help pursuing a legal dispute such as a boundary issue.
Our highest level of buildings insurance with extras included...
Allianz Online Gold Buildings Insurance includes:
Plus all these extras included as standard:
Increase your cover with buildings insurance optional extras
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Home Emergency
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Home Legal Expenses
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Enhanced accidental damage
From £48 or less
No one wants a hefty bill to fix heating emergencies, unexpected roofing problems or pest infestations. With this additional cover, we’ll arrange approved tradespeople to help when you need it most.
With our Home Emergency cover you'll be covered for repairs up to £1,000 per emergency, and you won’t even have to pay an excess.
Included with our Allianz Online Gold Buildings Insurance.
From £28 or less
This optional extra means you’ll have peace of mind with up to £100,000 to cover legal fees and expenses for legal disputes or claiming compensation.
Included with our Allianz Online Gold Buildings Insurance.
Price varies
This optional extra covers those unexpected mishaps that could lead to real headaches, like DIY accidents, stained carpets or damage caused by children.
Find out more about accidental damage cover.
Included with our Allianz Online Gold Buildings Insurance.
What are the different types of home insurance?
Contents insurance
Contents insurance protects your personal belongings inside your home against things like damage or theft. Your contents include furniture, TVs, and clothing, but not the structure of the property itself.
Whether you’re renting or own your home, you may want to consider contents insurance. You can also add additional cover for high-value items, cover away from your home (for things like your mobile or laptop) and bicycle cover.
Landlord insurance
Landlord insurance protects rental properties and their contents against risks such as property damage.
Landlord insurance is different from standard home insurance and provides cover tailored to anyone renting out a property to tenants.
What affects the price of your home insurance?
When it comes to choosing your policy, cheaper buildings insurance isn’t always better. It’s important to compare home insurance cover and make sure your policy fits your needs.
Let’s look at some of the factors that can affect your price:
- Building materials: What your home is made of can affect your premium. Different materials can mean different risks.
- Location: If your home's in a flood-prone area, it can affect your price as there’s a higher risk of claims.
Read our guide to protecting your home from flooding. - Building type: Two-up, two-down, terraced, or semi? Different types and sizes of property are assessed differently. Insuring a detached house isn’t the same as insuring a flat.
Find out more about home rebuild costs. - Number of claims: An overall increase in claims, for example due to extreme weather, can affect the cost of your buildings insurance.
- Weather patterns: We also take into account changing weather patterns and the likelihood of future severe weather and how this might affect our customers.
- Repair costs: It’s no secret how much repair and labour costs have gone up. This increases the cost of claims and, in turn, your home insurance. The more it would cost to repair your home, the higher your buildings insurance is likely to be.
Read our guide on how we work out the cost of your home insurance.
What do you need to get a home insurance quote?
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To get a buildings insurance quote, we’ll ask you for:
- Personal details:
This includes your name, address, and contact information. We’ll also ask about any claims you, or anyone living with you, have made on your home insurance in the last 5 years. - Property details:
You’ll need to provide information about your property, including the year it was built, the types of locks you have, and the materials your walls and roof are made from. We’ll also ask if your property has ever experienced flooding.
More about Allianz Online Buildings Insurance
- 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.
You can view your documents in your Allianz account. Request these and other documents in braille, large print or audio format by emailing us.
Buildings insurance FAQs
We do offer live chat, here's how to access our Live Chat if it doesn't appear for you:
- Click on the blue shield in the bottom left hand corner of the screen.
- Click 'allow all'.
- Click 'confirm my choices'.
- 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.
Check out our handy article about the buying and selling process.
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.
Home insurance you can trust
Defaqto has given our Allianz Online Gold and Silver Home Insurance 5 Stars – their highest rating.
Thanks to all our customers who've rated us on Trustpilot – 4.3 stars out of 5 is Excellent!
We're the world's #1 insurance brand
Allianz is one of the UK’s largest general insurers and part of a global network serving 97 million customers in almost 70 countries.*
Thanks to our expert team of over 150,000 employees and 120,000 agents and brokers worldwide, we've reached our highest brand value in our 135-year history – and remained the world’s #1 insurance brand for 7 years running.
We’re proud to be the Worldwide Insurance Partner of the Olympic and Paralympic Movements from 2021 to 2028.
* Customer count reflects Allianz customers in consolidated entities that are part of the customer reporting scope only. Updated March 2026 (release of the 2025 Annual Reports).
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