Found your dream home? Don’t forget to protect it.

Finding your dream home is an exciting moment. Whether it’s your first home, a bigger property, relocating for a fresh start – or simply finding a home that better suits your needs – there’s plenty to look forward to.

But while the focus is inevitably on mortgages, surveys and completion dates, it’s equally important to think aboutprotecting your new home.

Protection shouldn’t be an after thought

Buying a property is likely to be one of the biggest financial commitments you’ll ever make. That’s why arranging the right insurance cover should be an integral part of the home-buying process.

Many homebuyers are surprised to learn that buildings insurance is often needed from exchange of contracts, rather than completion. This means that once contracts have been exchanged, you may be responsible for ensuring the property is properly insured.

And leaving insurance until the last minute could create unnecessary stress at an already busy time, so it’s worth considering your options early.

Understanding buildings and contents insurance

When arranging cover for a new home, it’s important to understand the different types of protection available.

Buildings Insurance helps protect the structure of the property against events such as fire, flooding and storm damage.

Contents insurance helps protect the things inside your home, from furniture and electrical items to clothing and personal belongings.

The level of cover that’s right for you will depend on your individual circumstances, which is why taking professional advice can be beneficial.

Why speak to an adviser?

Home insurance isn’t always a one-size-fits-all solution. Factors such as the property itself, its location and your personal circumstances can all influence the cover you may need. An adviser can help you understand your insurance options; ensure cover is in place when you need it and answer any questions you may have.

Rather than trying to navigate different policies on your own, speaking to an adviser can help you make informed decisions and give you confidence that you’ve considered the right options.

Feel confident about your new home move

Moving home is an exciting new chapter, and the last thing you want is to worry about whether your property is adequately protected.

So, if you’ve found your dream home, now is the perfect time to think about protecting it. Speak to an adviser to discuss your options and help ensure your new home is protected from day one.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Approved by The Openwork Partnership on 03/09/2026