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First home. First class cover.

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What is Home Insurance?

Home Insurance helps protect your very first home—your biggest and most exciting purchase yet. From accidental damage to fire, theft, or flooding, it provides financial protection for both the building and everything inside it.

As a first-time buyer, having home insurance means you can focus on settling in, knowing you’re covered if the unexpected happens.

Why Do First-Time Buyers Need Home Insurance?

If you're buying with a mortgage, your lender will usually require buildings insurance as a condition. But even if not, protecting your investment from day one is simply a smart move.

  • Mortgage Requirement – Buildings insurance is often essential to secure your loan.
  • Peace of Mind – You’ve worked hard to buy your home—make sure it’s protected.
  • Cover for Belongings – Contents insurance helps replace your things if they’re stolen or damaged.
  • Liability Protection – Cover in case someone is injured at your property.

What’s Typically Covered?

Our Home Insurance for first-time buyers includes the essentials:

  • Buildings Insurance – For the structure of your home: walls, roof, windows, etc.
  • Contents Insurance – For your personal belongings, appliances, and furniture.
  • Liability Cover – If someone is injured at your property or you cause accidental damage to another home.
  • Optional Extras – Add things like accidental damage or emergency cover to suit your lifestyle.

What’s Not Covered?

  • Wear and tear or general maintenance problems.
  • Leaving your home unlocked or unoccupied without informing your insurer.
  • Damage caused on purpose or by someone living in the home.

Extras You Might Want to Add

First homes are full of surprises—some good, some not so much. You might want to consider:

Get Covered with Confidence

At Insurably, we specialise in helping first-time buyers understand and arrange the right cover for their new home—without the jargon.

Start your quote today and make sure your first step on the property ladder is protected.

Get a quote
  • No call centres—speak to real people.
  • Simple, honest advice for first-time buyers.
  • Clear cover options tailored to you.

What does Home Insurance cover?

  • Personal Liability Cover
  • Property Damage
  • Alternative Accommodation

What's Covered?

What's Not Covered?

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Arranging insurance for a first home can add to the stress of moving, but Insurably aims to make the process simple and clear. With straightforward guidance and quality cover, homeowners can feel confident they're properly protected.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in home insurance

100+

insurer markets accessed

100%

confidence in property protection

First-Time Buyer Home Insurance FAQs

As a first-time buyer, you’ll usually need buildings insurance in place by the time you exchange contracts. Most people also add contents insurance to protect belongings inside the home. Optional extras include accidental damage, home emergency cover, and legal expenses protection.
Yes. In most cases, you’ll need to have buildings insurance in place from the moment you exchange contracts, not completion. This is because you become legally responsible for the property from that point.
The cost varies, but many first-time buyers pay between £150–£300 per year depending on the size, location, and rebuild value of the home, plus any extras added. Get a personalised quote to see what’s right for your property and budget.
Yes, mortgage lenders almost always require you to have buildings insurance in place before completion to protect the property — their security for the loan.
Home insurance typically covers:
  • Buildings insurance – Structural damage to your home from events like fire, flood, storm, or vandalism.
  • Contents insurance – Belongings like furniture, electronics, and clothing.
  • Personal liability cover – If someone is injured in your home or you accidentally damage someone else’s property.
  • Alternative accommodation – If your home is uninhabitable due to a covered event.
Yes. You’re not locked in forever. You can switch providers at renewal or cancel early (though there may be a small fee). If you find a better deal, you’re free to change—just make sure there’s no gap in your cover.