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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 New Build Home Insurance?

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 Insurance Important for New Builds?

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.

What’s Covered in New Build Home Insurance?

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.

Optional Extras to Consider

You can enhance your cover with optional add-ons designed to meet the needs of new homeowners:

Get the right cover for your new home

At Insurably, we compare quotes from top insurers to find the best value New Build Home Insurance in the UK—all tailored to the needs of modern homeowners and first-time buyers.

Start your quote now and make sure your brand-new home is covered from the moment you move in.

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  • Clear advice with no jargon.
  • Local team—no call centres.
  • Cover tailored to new build homeowners.

What does New Build Home Insurance cover?

  • Personal Liability Cover
  • Property Damage
  • Alternative Accommodation

What's Covered?

What's Not Covered?

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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.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in home insurance

100+

insurer markets accessed

100%

confidence in property protection

Home Insurance FAQs

Home insurance provides financial protection against risks such as fire, theft, flood, and accidental damage. It usually includes buildings insurance to protect the structure of your home, and contents insurance to cover personal belongings. It’s essential for homeowners who want peace of mind that their property and possessions are safeguarded.
Standard home insurance policies typically include:
  • Buildings Insurance – Covers the structure of your home, including walls, roof, and permanent fixtures.
  • Contents Insurance – Protects household items like furniture, electronics, and valuables from loss or damage.
  • Personal Liability Cover – Provides protection if someone is injured on your property and you're held legally responsible.
  • Alternative Accommodation – Covers the cost of temporary housing if your home becomes uninhabitable after an insured event.
  • Accidental Damage Cover – Optional add-on for unintentional damage to your home or contents.
While it’s not legally required, home insurance is strongly advised even if you own your home outright. Without cover, you'd have to pay for repairs or rebuilding costs yourself if your property is damaged or destroyed.
Yes, if you're buying a property with a mortgage, most lenders will require you to have buildings insurance in place from the date you exchange contracts. This protects their investment and ensures you're covered for major damage.
The cost of home insurance varies depending on:
  • Your property's rebuild value.
  • The value of your contents.
  • Postcode and crime rate in your area.
  • Security measures, such as alarms or locks.
  • Optional extras like Home Emergency Cover or legal protection.
  • Your previous claims history.
Getting a quote is quick and easy. You can start your quote online or speak to our experienced team. We compare policies from top UK insurers to help you find the right home insurance at the best value.