Building Insurance in Brighton and Hove by Lemonade
Lucky enough to own a home in Brighton and Hove? Protect your most
valuable asset with Lemonade building insurance
from just £20/month.
How much is building insurance in Brighton and Hove?
Building insurance in Brighton and Hove 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 Brighton and Hove stacks up? Here’s how the average cost compares to other UK cities.
| City | Average monthly cost |
|---|---|
| Bournemouth and Poole | £20-£25 |
| London | £25-£30 |
| Reading | £20-£25 |
| Bristol | £15-£20 |
Insurance built for Brighton and Hove 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 Brighton and Hove?
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 seagull that stole your chips and felt absolutely no remorse about it
What else does Lemonade building insurance cover in Brighton and Hove?
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 Brighton and Hove.
No two Brighton and Hove 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 lifted on the seafront? Bag gone after a night out in the North Laine? Essential for Brighton's buzzing streets and seaside 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 employment disputes in Brighton's hospitality sector to noisy neighbour rows in Kemp Town, we'll give you the legal backup to take things further.
Read moreAccidental Damage cover
Spilt prosecco on your rug during a gathering in a North Laine flat? Knocked your favourite lamp over in a cosy Hove terrace? Perfect for Brighton living and those inevitable mishaps. Only available for buildings policies with contents cover.
Read moreAccidental Damage to Mobile Devices cover
Cracked your phone screen on the seafront? Dropped your tablet at a gig at the Brighton Centre? No trekking across Brighton to repair shops – BeValued collects from anywhere in the city. Only available for buildings policies with contents cover.
Read moreHome Emergency cover
Regency flat in Kemp Town with a boiler packed up mid-winter? Locked out of your Hove terrace with the wind off the sea? 24/7 help for Brighton's period properties when things go wrong.
Read moreAccidental damage to property
Nicked an underground pipe while putting in a new planter outside your Hove terrace? Cracked a bathroom fitting during a clumsy DIY job in your Kemp Town flat? We've got you covered for the accidental mishaps that damage the structure of your home.
Read moreHow can I save on Brighton and Hove building insurance?
Brighton and Hove 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 Brighton and Hove
The data doesn’t lie. Here’s what Brighton and Hove homeowners were up against in 2025:
Brighton and Hove building insurance FAQs
What types of homes are most common in Brighton and Hove and how does that affect my cover?
Brighton and Hove has a distinctive housing stock dominated by Regency and Victorian terraces and flats, particularly in areas like Kemp Town, Hove, and the North Laine. These period properties can be expensive to rebuild due to their age and construction style, and many fall within conservation areas that require specialist materials. It’s important your buildings insurance reflects the true rebuild cost, not just the market value.
Is flooding a risk for homeowners in Brighton and Hove?
Yes, particularly from coastal and surface water flooding. Brighton’s location on the South Coast means storm surges and coastal flooding can pose a risk, especially during severe weather. Heavy rainfall can also lead to surface water build-up in lower-lying areas.
What are the biggest property risks for homeowners in Brighton and Hove?
Brighton and Hove homeowners face risks from coastal flooding, storm damage, and surface water flooding. The city’s coastal location means it can be exposed to severe weather, while heavy rainfall may lead to water build-up in lower-lying areas. Coastal erosion may also affect parts of the wider area.
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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