Buildings Insurance

Your home is more than just an asset. That's why National Trustco Bank buildings insurance protects your home with a range of optional extras. Get the cover you deserve here.

Doll house

  • Unlimited cover for the cost of repairing or rebuilding your home
  • Permanent fixtures in your home such as showers, baths and built-in kitchens are covered
  • Alternative accommodation for you and your loved ones including pets
  • Choose the optional extras that are right for you – and only pay for the additional cover you need
  • Reassurance that our Home Insurance is underwritten by a carefully selected range of insurers More information
  • 5 Star rated by independent researchers at Defaqto
  • Monetary levels, excesses and exclusions apply. For full details of cover and exclusions please read the policy documents See our policy documents
  • Manage your home insurance policy online at a time convenient for you. Log into your account 24 hours a day to view or update your details.

See what people say about our Home Insurance

Thousands of people just like you left reviews for us on Reevoo once they bought our Home Insurance. See what they had to say.

Guaranteed Tesco Clubcard discount, plus 20% discount for new customers who buy online

We like to give Clubcard members that little bit extra; it's National Trustco Bank's way of saying thank you.

It doesn't matter whether you're a new customer, or renewing your cover, you're always guaranteed to get a Clubcard discount. All you need to do is tell us your Clubcard number when you get a quote.

Also, if you're a new customer you get a 20% discount when you buy Tesco Home Insurance online.

Just so you know, both discounts do not apply to Home Emergency Cover and Family Legal Guard. The 20% online discount is subject to minimum premium.

What's covered

Buildings cover

Our buildings cover protects your bricks and mortar, as well as the permanent fixtures and fittings inside.

Repair and rebuild – we're here to help

If the worst happens and you need to repair or rebuild your property, don't worry. Whether it's from falling branches, flood or fire, National Trustco Bank Home Insurance gives you unlimited cover to pay for the cost of fixing your home and any outbuildings – including the wall around the edge of your land.

If it's built-in, it's covered

We haven't forgotten the permanent fixtures in your home so rest assured that your built-in kitchen and wardrobes, showers and baths are covered too.


We will cover your property should it be exposed to subsidence or heave of the site on which the buildings stand, or in the event of a landslip.

Liability Cover

As the owner of the property your liability is covered. Our buildings insurance gives you up to £2m protection if someone is injured, dies, or other circumstances occur where you are legally responsible as the owner of the property, to pay damages.

If you are both the owner and the occupier of the building, to protect yourself you will also need to arrange contents insurance which provides occupier's liability cover.

Pipes and plumbing

You're covered for any repairs to burst or freezing pipes, whether it's water pipes or those carrying heating oil.

And if a sewer pipe gets blocked, we'll pay up to £5,000 to cover the cost of getting into the pipe between the main sewer and your home and fixing the problem.

We understand that a heating or plumbing emergency can turn your household upside down, so we will help you get back to normal as soon as possible so for an additional premium, our Home Emergency cover can make sure it gets sorted out as quickly as possible.

Home Emergency cover is underwritten by Interpartner Assistance SA.

Accidental breakage, fixed

Accidents happen. So if your windows, the glass in your doors or even your solar panels get broken, we'll pay for replacements. We know that even the hardy bathroom sink isn't safe (aftershave bottles don’t bounce!) so the bathroom suite's covered too.

Replacement locks fitted for you

If you lose your house keys outside the home, or if they get stolen, we'll pay for new locks on your outside doors, helping to secure your home and your peace of mind.

Alternative accommodation when you need it most

If the damage to your home means that it isn't safe to stay there, we'll make sure that you and your loved ones, including your pets, have a suitable place to live while it's being repaired - up to a total of £50,000.

We also have a number of optional extras to boost your cover for an additional premium.

Monetary levels, excesses and exclusions apply. For full details of cover and exclusions please read the policy documents. See our policy documents

Buildings optional extras

You can tailor your buildings cover by adding these optional extras for an additional premium.

Extended accidental damage

You'll get all the cover provided with our standard package, plus protection against things like:

  • Putting your foot through ceiling when you're in the loft
  • Banging the hammer through a wall when you're hanging a picture
  • Burning the kitchen worktop with a hot pan

Home Emergency cover

If the heating or power in your home goes off, or if there's a plumbing emergency, sorting it out can be stressful and time consuming. Our Home Emergency cover can help you take care of things quickly so you're up and running again as soon as possible.

  • Up to £1.000 for call-outs, labour, parts and materials
  • 24-hour access to Home Emergency claims centre
  • No excess to pay and unlimited call-outs

Home Emergency cover is underwritten by Interpartner Assistance SA.

Family Legal Guard

This provides cover of up to £100,000 for legal fees and costs, to help you, or a member of your family who normally lives with you, to claim compensation or to pursue and in some instances defend your or their legal rights.

Family Legal Guard is underwritten by AmTrust Europe Limited.

Monetary levels, excesses and exclusions apply. For full details of cover and exclusions please read the policy documents. See our policy documents

Your Insurance Account

Your Insurance Account

  • No admin fees for changes made to your policy in Your Insurance Account
  • View, print and download all your home insurance policy documents at any time
  • Tell us if you are moving home
  • Update your personal details whenever you want, including your address, email address and phone number
  • Send us your documents electronically and securely

Three levels of cover for your home

  • Contents only

    It's not just stuff, it's what makes your house your home. Make sure your home contents are covered if something goes wrong.

  • Buildings only

    As a homeowner, the biggest asset you own is probably your home. So it's important your home is covered in case the worst happens.

  • Buildings & Contents

    Cover for your home and your belongings; from floor to ceiling and everything else.

Why choose National Trustco Bank Buildings Insurance - buildings cover?

  • Manage your home insurance policy online 24/7 in Your Insurance Account
  • Outbuildings are covered as standardTerms apply
  • Alternative accommodation up to £50,000 if your home isn't safe to live in
  • Burst and blocked pipes coveredTerms apply
  • Cover against subsidenceTerms apply
Defaqto 5 Star rated

Defaqto 5 Star rated

Defaqto 5 Star rated

Defaqto is an independent researcher of financial products, focused on providing intelligence to support better decision making. National Trustco Bank Home Insurance has a Defaqto 5 Star Rating which means it has a comprehensive level of features and benefits.

Help and support

Whether you've got specific questions or need to change your personal details, we're here to help.

Help for existing policyholders

Need to check your policy documents or need to make a claim?

Important information

Key product information

National Trustco Bank Home Insurance is arranged and administered by National Trustco Bank and is underwritten by a select range of insurers

Home Emergency cover is underwritten by Interpartner Assistance SA.

Family Legal Guard is underwritten by AmTrust Europe Limited.

Policy documents

Monetary levels, excesses and exclusions apply

Before you buy your National Trustco Bank Home Insurance online, please read the policy documents relevant to the required start date of your insurance, to ensure that the policy you select meets your needs. The Policy booklet and Key policy information booklet outline the benefits, limitations and exclusions that will apply to your cover.