Building Insurance in Bournemouth and Poole by Lemonade
Lucky enough to own a home in Bournemouth and Poole? Protect your most
valuable asset with Lemonade building insurance
from just £20/month.
How much is building insurance in Bournemouth and Poole?
Building insurance in Bournemouth and Poole runs between £20 and £25 per month. What you’ll actually pay depends on your property value, rebuild costs, location, and any add-ons you choose.
Wondering how Bournemouth and Poole stacks up? Here’s how the average cost compares to other UK cities.
| City | Average monthly cost |
|---|---|
| Brighton and Hove | £20-£25 |
| Bristol | £15-£20 |
| Cardiff | £15-£20 |
| Reading | £20-£25 |
Insurance built for Bournemouth and Poole homeowners
Mortgages, maintenance, service charges. Owning a home is already a lot.
We keep the insurance bit simple.
Change your cover in the app, cancel anytime, and get claims sorted quickly.
No extra fees
Want to add an add-on cover? Do it yourself in the app. No admin fees, no phone calls, no waiting for someone to “update your records.”
Cancel anytime
Selling up, remortgaging, or just found a better deal? Cancel in seconds. No forms, no hold music, no exit fees.
Claims handled fast
Most claims get sorted quickly. Because when your roof’s leaking or your boiler’s broken, you need it fixed now, not next month.
What does Lemonade building insurance protect in Bournemouth and Poole?
Building insurance protects your property’s structure against various potential damages (or ‘perils‘ if we’re being proper about it). Here’s what is (and isn’t) covered:
- Roof & chimney damage
- External walls & foundations
- Windows & doors
- Internal walls & ceilings
- Plumbing & heating systems
- Electrical wiring & fittings
- Built-in kitchen units
- Bathroom suites & fittings
What’s not covered: General maintenance, gradual deterioration, damage from lack of upkeep, and the sandy floors you’ll be living with from May to September no matter how many doormats you buy
What else does Lemonade building insurance cover in Bournemouth and Poole?
Building insurance covers more than just bricks and mortar. From hotel bills if your home becomes uninhabitable, to legal costs if your property damages someone else’s.
Here’s what’s included:
Property liability
Loose roof tile damages your neighbor’s car? We’ll cover compensation costs and legal bills when your property accidentally damages someone else’s stuff.
Alternative accomodation
House uninhabitable after a fire? We’ll cover hotel costs while your home gets rebuilt or repaired.
Outbuilding cover
A storm damages your home and detached shed? We’ll cover damage to your garden sheds, garages, and other structures around your property.
Want more cover? Here’s what you can add-on in Bournemouth and Poole.
No two Bournemouth and Poole properties are the same. Top up your cover with the extras that make sense for your home. Take what fits, leave what doesn’t.
Theft & Loss cover
Phone nicked on the beach front? Bag gone after a night out in the Triangle? Essential for Bournemouth and Poole's busy coastal streets and lively nightlife. We'll cover theft and loss outside your home, plus sort your locks if your keys disappear. Only available for buildings policies with contents cover.
Read moreLegal Protection cover
From personal injury claims along the seafront to consumer disputes with local holiday and travel operators, we'll give Bournemouth and Poole residents the legal cover to push back.
Read moreAccidental Damage cover
Knocked your lamp over in a busy Westbourne flat? Spilt coffee on your favourite rug steps from the Bournemouth beach? Perfect for Bournemouth and Poole living and those inevitable mishaps. Only available for buildings policies with contents cover.
Read moreAccidental Damage to Mobile Devices cover
Dropped your phone on the beach front? Cracked your tablet at a live set at the O2 Academy? No trekking across Bournemouth and Poole to repair shops – BeValued collects from anywhere in the city. Only available for buildings policies with contents cover.
Read moreHome Emergency cover
Seafront flat in Bournemouth with a burst pipe over the bank holiday? Locked out of your Poole semi with no spare key to hand? 24/7 help for Bournemouth and Poole homeowners around the clock.
Read moreAccidental damage to property
Accidentally cracked a fixed window pane moving furniture in your Poole semi? Drilled into a hidden pipe fitting new shelves in your Bournemouth seafront flat? We've got you covered for the accidental mishaps that damage the structure of your home.
Read moreHow can I save on Bournemouth and Poole building insurance?
Bournemouth and Poole property prices are eye-watering enough.
Here are a few ways to keep your insurance premium in check.
Bundle
Combine your buildings and contents policies for instant multi-policy discounts. Plus, you can manage everything in one place.
Higher excess
Higher excess = lower premiums. But weigh it up, as you’ll pay more out of pocket when you do claim, so find the sweet spot.
Pay in one go
Annual payments earn you up to 5% off and skip those pesky monthly fees. Less hassle, more savings.
The real risks of owning a home in Bournemouth and Poole
The data doesn’t lie. Here’s what Bournemouth and Poole homeowners were up against in 2025:
Bournemouth and Poole building insurance FAQs
What types of homes are most common in Bournemouth and Poole and how does that affect my cover?
Bournemouth and Poole have a mix of Edwardian semis and detached houses, purpose-built seaside flats, and more modern developments. Properties close to the seafront or in coastal positions can face additional risks from storm damage and salt air, which can affect the fabric of a building over time. It’s important your buildings insurance reflects the true rebuild cost of your home, particularly for older coastal properties.
Is flooding a risk for homeowners in Bournemouth and Poole?
Yes. Coastal flooding and storm surges are a consideration given the area’s exposed position on the South Coast. Heavy rainfall can also lead to surface water flooding in lower-lying areas, particularly near the seafront or around Poole Harbour.
What are the biggest property risks for homeowners in Bournemouth and Poole?
Bournemouth and Poole homeowners face risks from coastal flooding, storm damage, and coastal erosion. Properties near the seafront or on elevated ground such as cliffs may be more exposed, while heavy rainfall can also lead to surface water flooding in some areas.
What's the difference between buildings and contents insurance?
Buildings insurance covers the structure of your home, the walls, roof, floors, windows, and permanent fixtures like fitted kitchens and bathrooms. Contents insurance covers the stuff inside it, your furniture, clothes, electronics, and personal belongings. A simple way to think about it: if you picked your home up and turned it upside down, everything that falls out is contents. Everything that stays put is buildings. With Lemonade, you can get buildings-only cover, contents-only cover, or both together.
When should I take out buildings insurance when buying a home?
You should take out buildings insurance from the moment you exchange contracts, not completion. Once contracts are exchanged, you’re legally committed to the purchase, which means if something happens to the property before you get the keys, you could still be liable. It’s one of those things that’s easy to leave to the last minute, but worth sorting as soon as your solicitor confirms exchange is happening. With Lemonade, you can get covered quickly online, no lengthy paperwork, no phone queues.
All coverage is subject to individual policy limits, terms, and conditions. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim. The costs shown in this article are based on internal Lemonade data as of April, 2026. Fire data sourced from gov.uk. Rainfall data sourced from Met Office, average rainfall taken from closest climate station to city.
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