Insuring your home

Buildings insurance

Where Moat is the freeholder, we take out buildings insurance for the building you live in. This covers the costs of major damage to the structure of your building. This includes external walls, the roof and communal areas, and provides cover for events such as fires, storms, floods, leaks or subsidence. Buildings insurance does not cover general repairs and maintenance.

The cost of your buildings insurance is based on the rebuild value of your home and is paid through your service charges. Insurance premiums can vary from year to year. You will be notified of any changes in premiums and can also request details of insurance costs by contacting [email protected].

In some cases, leaseholders may have a contractual obligation to insure the building they live in. You should check your lease and ask your solicitor to confirm your lease conditions and responsibilities for insurance, repairs, maintenance and charges before you purchase your home.

In line with changes made by the Financial Conduct Authority, your buildings insurance has to be more transparent in terms of its cost and the commission our broker receives. This letter from Marsh (the broker) details the premium Moat pay for our insurance programme and Marsh’s commission. Please note that we receive no payment from Marsh or the buildings insurer, Protector. The exact amount you pay for your building’s insurance will be detailed within your service charge.

Making a claim

How to make a claim

If you wish to make a claim against the buildings insurance, you can do this 24 hours a day, seven days a week. A specialist claims management team (Broadspire or Protector) will take your details.

If the incident happened before or on the 30 September 2022, please contact:

Email: [email protected]
Call: 0345 266 9660

Don’t forget to quote our policy number which is 2020CP000067.

If the incident happened after or on the 1 October 2022, please contact:

Email: [email protected]
Call: 0161 274 9077

Don’t forget to quote our policy number which is 2937976.

Claims can be reported directly via the Protector Claims Portal by going to their website https://protectorinsurance.co.uk/ and clicking the "submit claim" button. Once a claim has been set up, use of this portal is also an effective way of sending information to Protector.

As a shared owner or leaseholder, the claims team will process the claim directly with you as the claimant.

What to include in your claim

To help deal with the claim efficiently, please try to provide as much information as possible, including:

Date of incident, claimant’s name, property address, postcode, and exact location.
Incident circumstances and details of loss.
In the event of fire, state the cause of the fire, and for theft or malicious damage, quote the crime reference number supplied by the Police.
Extent of any injuries or damage sustained.
Names and ages of injured persons, should there be any.
Any special circumstances insurers should be aware of.
Photographs of damage/defect (if available).

If you make a claim as a leaseholder or shared owner, you will have to pay an excess of £200 for most accepted claims and £1,000 for claims relating to subsidence.

Further advice and guidance

Contents insurance

Whether you’re a tenant, shared owner or leaseholder, it’s important to insure your home contents, as we do not cover this on your behalf.

When we say ‘contents’, we mean your belongings. This is essentially everything that could be put in a removals van if you were to move house, including things like white goods, electronic devices, televisions, curtains and even the food in your freezer!

If you had a washing machine flood, fire or a break-in, for example, replacing these items could get expensive. That's why we recommend taking out home contents insurance with a reputable company. You're free to choose your own insurance provider and select the level of cover you’d like.

Learn more about home contents insurance

The Royal Sun Alliance insurance company

We have a partnership with the Royal Sun Alliance insurance company which is open to our tenants and shared owners. Cover with the Royal Sun Alliance insurance company includes:

No excess payable on any claim and no fees for changing your details or cancelling your policy.
Flexible payment options – weekly, fortnightly, monthly or annually.
Protects the contents in your home, garage and shed.
An option to upgrade the standard cover for the following: Full accidental damage cover on household contents and personal belongings away from the home, such as wheelchairs, hearing aids and bicycles.

How to apply

If you would like to apply, you can do so by:

Please note this insurance is arranged between the customer and the Royal Sun Alliance insurance company independently of Moat.

*This document was added to the website on 14 May 2025, and prices included were correct at this time. Always check with the Royal Sun Alliance insurance company that these prices are still accurate.

How to make a claim

You can make a claim to the Royal Sun Alliance insurance company by calling them on 0345 671 8171 or submitting your claim online here.

*Royal & Sun Alliance Ltd (No. 93792). Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

Insuring your home