Building Insurance in Nottingham by Lemonade
Lucky enough to own a home in Nottingham? Protect your most
valuable asset with Lemonade building insurance
from just £20/month.
How much is building insurance in Nottingham?
Building insurance in Nottingham 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 Nottingham stacks up? Here’s how the average cost compares to other UK cities.
| City | Average monthly cost |
|---|---|
| Leicester | £20-£25 |
| Birmingham | £15-£20 |
| Reading | £20-£25 |
| Sheffield | £15-£20 |
Insurance built for Nottingham 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 Nottingham?
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 ongoing dispute about whether Robin Hood was actually from here or not
What else does Lemonade building insurance cover in Nottingham?
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 Nottingham.
No two Nottingham 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 gone after a night out in the Lace Market? Bag nicked on the tram into the city centre? Essential for Nottingham's busy streets and student 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 faulty goods bought in the Vic Centre to noisy neighbour rows in the student quarter, we'll give Nottingham residents the legal support to sort it out properly.
Read moreAccidental Damage cover
Spilt wine on your sofa during a house party in a busy student terrace? Knocked your bookcase over in a Lace Market flat? Perfect for Nottingham living and those inevitable mishaps. Only available for buildings policies with contents cover.
Read moreAccidental Damage to Mobile Devices cover
Dropped your phone on a night out in the Lace Market? Cracked your tablet during a house party in the student quarter? No trekking across Nottingham to repair shops – BeValued collects from anywhere in the city. Only available for buildings policies with contents cover.
Read moreHome Emergency cover
Student quarter terrace with a burst pipe on a Sunday night? Locked out of your Lace Market flat with no spare key in sight? 24/7 help for Nottingham homeowners around the clock.
Read moreAccidental damage to property
Accidentally drilled into a pipe fitting a new shelf in your student quarter terrace? Cracked a fixed window pane moving furniture into your Lace Market flat? We've got you covered for the accidental mishaps that damage the structure of your home.
Read moreHow can I save on Nottingham building insurance?
Nottingham 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 Nottingham
The data doesn’t lie. Here’s what Nottingham homeowners were up against in 2025:
Nottingham building insurance FAQs
What types of homes are most common in Nottingham and how does that affect my cover?
Nottingham has a mix of Victorian terraces, post-war semis, and a large student housing stock across the city. Older terraced properties in areas like the Lace Market and Sherwood can carry higher rebuild costs due to traditional construction materials, so it’s important your buildings insurance reflects the true rebuild value rather than the market price of your home.
Is flooding a risk for homeowners in Nottingham?
Yes. Nottingham sits close to the River Trent and has experienced notable flooding events in the past. Surface water flooding is also a growing concern, particularly in urban areas where drainage can be limited. Risk levels can vary significantly, so checking your postcode is recommended.
What are the biggest property risks for homeowners in Nottingham?
Nottingham homeowners face risks from river and surface water flooding. The city has experienced notable flooding in the past, particularly near the River Trent, and heavy rainfall can increase the risk of surface water flooding in urban areas. Subsidence may also affect some properties depending on local ground 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.
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