Whether you’ve just moved into your first home or third – insurance can be a lot to wrap your head around. Wherever you are on the property ladder, home insurance is an essential. 

There isn’t a specific new build home insurance policy type, you can just take out regular home insurance for your new build property. Typically, home insurance is split into two categories – buildings and contents.

Buildings insurance covers the structural elements of your home – rather than what’s inside. It includes things like fitted kitchens or bathrooms, wardrobes, doors, windows, walls, and the roof. Mortgage providers will insist that you have buildings insurance as part of the mortgage agreement.

Our buildings insurance covers as standard:

• Building cover up to £1 million sum 
• Accidental damage cover
• Trace and access

Contents insurance concerns what’s inside your home, like your belongings. This includes things like home appliances, jewellery, electronics, clothing and furniture. Simply put, it’s the items in your home you’d take with you when you move. 

With our contents insurance, you can get cover for:

• Contents, with a lump sum of up to £75,000 and up to £2,000 for a single item
• Accidental  damage cover
• Mobile phone and gadget cover
• Jewellery cover
• Bike cover