Home Buyers Insurance

Home buyers insurance is insurance for anyone buying a property. Once you’ve exchanged contracts with the seller, you’re contracted to buy the property. For example, even if a major leak makes it uninhabitable, you’re still legally obliged to go through with the purchase.

Some insurance companies don’t like to insure a property when someone other than you is living in it – which is technically what happens after you’ve exchanged contracts with the seller of your new property. It is worth checking as you may need a specialist policy.

No – we can add your contents in once you move, so you can carry on under the same policy. We’re flexible, so for instance, if the property is going to be unoccupied for a while, if you’re going to rent it out, if you’re going to have refurbishment work done, our policy will adapt to your needs. Just keep us informed of your circumstances and we can update your policy accordingly.

If something happens to your property after you’ve exchanged with buyers, and they don’t have their own insurance in place, our policy means they're covered too.

Policies will vary depending on things like location, the rebuild cost of your property, and the value of your contents - go online for a quote or give us a call to chat through the details.

Yes, we’ll be able to adapt the policy for lettings, subject to our usual checks.

Yes. Talk to us about adding on your contents, any changes to the property use (e.g. if you decide to rent it out) and any other add-ons you need for your particular property.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.