New Build Home
Insurance
What is New Build Home Insurance?
New Build Home Insurance is designed to protect newly built properties against a range of potential risks. While your new home may come with a builder’s warranty, that often doesn’t cover everything—such as your personal belongings, accidental damage, or liability claims. A specialist policy ensures your investment is protected from day one.
Whether you’ve bought off-plan, moved into a recently completed development, or self-built your dream home, our tailored insurance for new build homes gives you peace of mind with cover that fits your unique situation.
Who Needs This?
If you own a newly built property, especially one less than 10 years old, New Build Home Insurance is highly recommended. This includes:
- New Build Homeowners – Protect the structure and contents of your home from day one.
- First-Time Buyers in New Developments – Ensure you meet mortgage requirements with the right level of protection.
- Buyers of Off-Plan Homes – Be ready with insurance the moment you complete.
- Self-Build Homeowners – Once your build is complete, switch to specialist cover for new properties.
- Landlords of New Build Rentals – Cover your investment property and meet tenant expectations.
Why is it Important?
Even though your home is brand new, it’s not immune to risk. From storm damage to internal leaks, New Build Home Insurance helps safeguard your property and personal finances from the unexpected.
Key risks this cover helps protect against include:
- Structural Damage – Covers repairs beyond your NHBC or developer warranty limits.
- Theft or Break-ins – Essential if your home is in a new estate or unoccupied at times.
- Accidental Damage – Spilled paint or dropped tools during move-in? You’re covered.
- Legal Liability – If a visitor is injured at your home, your insurance steps in.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Your policy can be customised to suit your home, with options such as:
- Buildings Insurance – Protects the permanent structure, including walls, roof, kitchen, and bathroom fittings.
- Contents Insurance – Covers furniture, electronics, décor, and other personal belongings.
- Personal Liability – Covers legal and medical costs if someone is injured on your property.
- Accidental Damage – Optional cover for everyday mishaps during or after your move-in.
What's Not Covered
- Snagging issues or faults still under builder warranty.
- Wear and tear or poor maintenance.
- Damage caused by unforced entry (e.g. doors left unlocked).
- Home left vacant for long periods without informing your insurer.
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 New Build Home cover you for?
New build homeowners often assume the builder’s warranty offers full protection, but it typically doesn’t cover personal belongings or accidental damage. Insurably makes it easy to arrange comprehensive home insurance, with clear explanations and cover that protects the entire home.
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