Buildings insurance with many risks

absolute0

Our solicitor has sent us a letter as part of our house move stating that we need to have buildings insurance with the following risks inlcuded:

fire; lighting; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave; landslip; collision; accidental damage to underground services; professional fees; demolition and site clearance costs and public liability to anyone else

How am I supposed to get a competitive quote will all these risks included?

opinions4u

Most policies will provide cover for all those risks.

Riot is the one most likely to be an exclusion. Even there I'd expect most firms to provide cover.

rs65

They are all fairly standard, including riot.

You may need to add accidental damage to the buildings cover to get accidental damage to underground services.

Have a look here as an example, pages 9 to 15

http://www.aviva.co.uk/library/pdfs/home/NHDHG6080.pdf

phill99

These are all standard risks. You won't have trouble getting cover.

absolute0

Thank you for your replies.
I'm using the comparison sites then checking the policy wording to double check to make sure they cover everything - but of a pain but I'll get there.

Does anyone know if there any problems with taking out buildings cover for a property you don't own yet?

Annisele

It's normal to insure your new property from exchange of contracts, and there'll be no problem with that at all (assuming England/Wales - I'm not sure what happens in Scotland/NI).