Building Insurance in Manchester by Lemonade
Lucky enough to own a home in Manchester? Protect your most
valuable asset with Lemonade building insurance
from just £20/month.
How much is building insurance in Manchester?
Building insurance in Manchester 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 Manchester stacks up? Here’s how the average cost compares to other UK cities.
| City | Average monthly cost |
|---|---|
| Leeds | £15-£20 |
| Glasgow | £20-£25 |
| Nottingham | £20-£25 |
| Liverpool | £15-£20 |
Insurance built for Manchester 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 Manchester?
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 emotional damage of a 10-day forecast that’s just 20 consecutive cloud icons
What else does Lemonade building insurance cover in Manchester?
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 Manchester.
No two Manchester 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
Bag left on the Metrolink? Phone gone after a night on Deansgate? Essential for Manchester's busy streets and bar-hopping 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.
Read moreLegal Protection cover
From unfair dismissal claims in Manchester's booming tech and finance sector to noisy neighbour rows in Ancoats, we've got legal backup for life's trickier moments in the city.
Read moreAccidental Damage cover
Knocked your TV off its stand getting ready for a big match at Old Trafford? Spilt a brew on your rug in a cosy Salford terrace? Perfect for Manchester living and those inevitable mishaps. Only available for buildings policies with contents cover.
Read moreAccidental Damage to Mobile Devices cover
Dropped your phone rushing for the Metrolink? Cracked your tablet at a Warehouse Project rave? No trekking across Manchester to repair shops – BeValued collects from anywhere in the city. Only available for buildings policies with contents cover.
Read moreHome Emergency cover
Edwardian terrace boiler giving up during a wet Manchester winter? Burst pipe flooding your Salford hallway at midnight? 24/7 help whenever your home decides to play up.
Read moreAccidental damage to property
Drilled into a hidden pipe fitting a new shelf in your Salford terrace? Cracked a bathroom fitting moving furniture in a Ancoats flat? We've got you covered for the accidental mishaps that damage the structure of your home.
Read moreHow can I save on Manchester building insurance?
Manchester 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 Manchester
The data doesn’t lie. Here’s what Manchester homeowners were up against in 2025:
Manchester building insurance FAQs
What types of homes are most common in Manchester and how does that affect my cover?
Manchester has a large stock of Victorian and Edwardian terraced houses, particularly in areas like Salford, Stretford, and the inner suburbs. The city also has a growing number of modern apartments in and around the city centre. For period terraced properties, rebuild costs can be higher than you might expect due to traditional materials and construction methods, so it’s worth making sure your cover reflects the true rebuild value of your home.
Is flooding a risk for homeowners in Manchester?
Yes. Manchester’s dense urban landscape means surface water flooding is an ongoing and growing risk. Heavy rainfall can place pressure on drainage systems, and projections indicate that the number of homes at risk could increase by mid-century. It’s worth checking your specific postcode using the government’s flood risk tool.
What are the biggest property risks for homeowners in Manchester?
Manchester homeowners face risks from surface water flooding and storm damage. The city’s dense urban environment means heavy rainfall can place pressure on drainage systems, and flood risk is expected to increase over time. Storm-related damage linked to frequent wet and windy weather is also a consideration for homeowners.
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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