Buildings Insurance

Feel at home with insurance you can trust

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Benefits included as standard*

Our in-house buildings insurance policies include a great range of benefits as standard.

Accidental Damage Cover

We include Accidental Damage cover for your Buildings as standard.

Find and fix leaks

If you have a water leak we will cover you up to £10,000 to find the where is it coming from and make good afterwards.

No Claims Bonus

Get up to a 25% discount on your policy with a No Claims discount of 3 years or more.

24/7 Helpline

Help and assistance, 24 hours a day, through our free emergency helpline.

*applies to most policies, subject to terms and conditions.

Why choose Islands?

Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our Community

We are proud to support the local community through several sponsorships and partnerships. Helping to protect our rich heritage and take care of our beautiful islands.

In House Claims Team

Friendly, experienced in house claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

Levels of cover

Find out what’s included in each of our policies.

Features in our Levels of CoverPremier
Basis of coverRepair and Replacement up to your full rebuild cost, including accidental damage cover
Finding and fixing water leaksUp to £10,000 to locate the leak and make good any damage
Rent and accommodation costs if your building cannot be lived in25% of your rebuilding cost or £75,000 whichever is greater
Replacement of locksUp to £1,000 if your keys are lost
Nest removalUp to £2,000 each year to remove nests from your home
Public Liability indemnity£5 million as standard, or £10 million available on request
Family Legal ExpensesUp to £50,000
Employers liability for domestic staffUp to £10,000,000

*applies to most policies, subject to terms and conditions.


Home building works

We can insure work being carried out on your property including materials on site that have not yet been used


We can include cover for you to let your building out on Air BNB

Flexible contents cover

We know that contents help to make a house a home. Add contents to your policy and cover your treasured possessions

Holiday Home

If you have your main home insured with us we can look to insure your holiday home in the Channel Islands or UK

*applies to most policies, subject to terms and conditions.

How much home insurance is enough?

Discover How Much Coverage You Really Need

Peace of mind

Our in-house policies cover your home or building against a wide variety of damages and cover the cost of repairing or replacing your building.

*applies to most policies, subject to terms and conditions.

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You’re covered for:

  • Fire, smoke, lightening and explosion damage
  • Storm damage
  • Water and flood damage
  • Theft, attempted theft and vandalism
  • Subsidence
  • Accidental damage

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.


You can cancel your policy at any time by contacting us.


Have a question about our buildings insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.

Am I covered for trace and access to a water leak?

We include cover for trace and access to water and oil leaks. This may be limited depending which policy you have. For more details please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday

Do I have to tell you about any improvements I am making to my property?

If you are planning an extension, a conversion or having any structural work carried out to your house, it is essential you let us know well in advance of such work commencing, so we can provide your insurers with the full details in order for your cover not to be prejudiced in the event of a claim. Please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday to discuss any changes you are planning.

Can I add Buildings/Contents onto my existing policy?

We can add buildings or contents cover to your policy at any time please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday or contact us online.

Request a callback

warning Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.
Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney