First-time Buyers Home
Insurance
What is First-time Buyers 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.
Who Needs This?
This insurance is designed for anyone taking their first step onto the property ladder. It’s ideal for:
- First-Time Buyers – Protecting your new investment from day one.
- Shared Ownership Buyers – Cover for your share of the property and contents.
- New Build Owners – Protecting your newly built home and snagging issues (if covered).
- Joint Buyers – Couples or friends buying their first home together.
Why is it Important?
Buying a home is a huge financial commitment. Insurance provides a safety net for your investment.
Key reasons to get cover include:
- Mortgage Requirement – Lenders usually require buildings insurance before exchange.
- Financial Protection – Avoid huge bills for structural repairs or replacing contents.
- Liability Cover – Protection if someone is injured on your property.
- Peace of Mind – Focus on enjoying your new home, knowing you’re protected.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
First-Time Buyer Home Insurance typically includes:
- Buildings Cover – Protection for the structure of your new home.
- Contents Cover – Protection for your furniture, electronics, and personal items.
- New for Old – Replaces damaged items with brand new equivalents.
- Public Liability – Cover if someone is injured on your property.
- Alternative Accommodation – Covers costs if you can't stay in your home due to damage.
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.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does First-time Buyers Home cover you for?
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.
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