Building Insurance in Leicester by Lemonade

Lucky enough to own a home in Leicester? Protect your most
valuable asset with Lemonade building insurance
from just £20/month.

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How much is building insurance in Leicester?

Building insurance in Leicester 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 Leicester stacks up? Here’s how the average cost compares to other UK cities.

City	Average monthly cost
Nottingham	£20-£25
Coventry	£15-£20
Birmingham	£15-£20
Leeds	£15-£20

Insurance built for Leicester 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 Leicester?

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 very specific stress of a city centre one-way system that makes no geographical sense

What else does Lemonade building insurance cover in Leicester?

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 Leicester.

No two Leicester 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

Wallet nicked on Granby Street? Phone goes missing after a night out in the Cultural Quarter? Essential for Leicester's busy city centre and student scene. 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.

Legal Protection cover

From faulty goods disputes on Highcross to boundary rows in the city's busy residential streets, we'll give Leicester residents the legal support to sort it out.

Accidental Damage cover

Knocked your TV stand over in a busy Clarendon Park terrace? Spilt coffee on your armchair in a compact city centre flat? Perfect for Leicester living and those inevitable mishaps. Only available for buildings policies with contents cover.

Accidental Damage to Mobile Devices cover

Dropped your phone on Granby Street? Cracked your laptop screen at a gig at the O2 Academy? No trekking across Leicester to repair shops – BeValued collects from anywhere in the city. Only available for buildings policies with contents cover.

Home Emergency cover

Victorian terrace in Clarendon Park with a burst pipe on a cold night? Locked yourself out of your city centre flat after a long shift? 24/7 help for Leicester homeowners around the clock.

Accidental damage to property

Accidentally drilled into a hidden pipe fitting shelves in your Clarendon Park terrace? Cracked a fixed window pane moving furniture into your city centre flat? We've got you covered for the accidental mishaps that damage the structure of your home.

How can I save on Leicester building insurance?

Leicester 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 Leicester

The data doesn’t lie. Here’s what Leicester homeowners were up against in 2025:

118

Average days of rainfall over 1mm over a 30 year period

371

Accidental fires reported in the past year. When kitchen disasters meet dodgy electrics, your walls feel it too.

62%

Of accidental fires recorded were electrical fires. Old wiring, new problems… and your property pays the price.

Leicester building insurance FAQs

What types of homes are most common in Leicester and how does that affect my cover?

Leicester has a large stock of Victorian and Edwardian terraced houses, particularly in areas like Clarendon Park, Stoneygate, and the West End. These older properties can carry higher rebuild costs than their market value suggests, due to traditional brick construction and period features. It’s worth ensuring your buildings insurance reflects the true cost of rebuilding your home from scratch.

Is flooding a risk for homeowners in Leicester?

Yes. Parts of Leicester, particularly those near the River Soar, can be at risk of river flooding. Surface water flooding during heavy rainfall is also a concern across the wider city. Risk varies by location, so checking your postcode is advised.

What are the biggest property risks for homeowners in Leicester?

Leicester homeowners face risks from surface water flooding, subsidence, and structural wear in older properties. Heavy rainfall can contribute to surface water flooding, and some areas may be more susceptible to subsidence depending on local soil conditions.

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.