Insurance Brokers

The Importance of Getting Your Home Properly Insured Before You Move In
Buying a new home is an exciting milestone—but before you unpack your first box or pick up the keys, there’s one crucial step you shouldn’t overlook:

arranging proper home insurance.

Why Insurance Matters Before You Move In - From the moment contracts are exchanged (in England and Wales), you are legally responsible for the property—even if you haven’t moved in yet. That means if anything happens to the property between exchange and completion, the financial risk falls on you. Without insurance in place, you could face serious unexpected costs.

What Could Go Wrong? - Even in a short window, things can and do go wrong:

Fire damage – Electrical faults or accidents can cause devastating loss

Flooding or burst pipes – Particularly in empty properties

Storm damage – Roof tiles, fences, and structures can be affected

Theft or vandalism – Vacant homes are more vulnerable

Insurance protects you from footing the bill for repairs or rebuilding.

What Insurance Do You Need?
There are two main types of cover to consider:

1. Buildings Insurance (Essential) - Covers the structure of the property, including: Walls, roof, and floors Permanent fixtures (kitchens, bathrooms) Garages and outbuildings Most mortgage lenders require this before completion.

2. Contents Insurance (Recommended) - Covers your belongings, such as: Furniture Electronics Personal items You can arrange this from the day you move your possessions in.

When Should You Arrange It? - Ideally: On the day you exchange contracts.
That way, you’re protected right up to completion and beyond. Leaving it until moving day could leave a risky gap in cover.

Extra Tips for Peace of Mind  -

Check the rebuild cost, not just the purchase price

Ensure unoccupied cover if there’s a delay before moving in

Review policy exclusions carefully.

Consider accidental damage cover for extra protection 

The Bottom Line - Getting your home insured isn’t just a box-ticking exercise - it’s a vital safeguard for what is likely your biggest financial investment. A small monthly premium can protect you from potentially devastating costs, giving you peace of mind as you step into your new home.