Insurance isn't always exciting — until you need it. Here's what to consider during a purchase, and when each type of cover should start.
Not always legally required — but the right cover can protect you from unexpected costs during the purchase and from day one of ownership.
Helps reimburse some upfront costs if your purchase falls through for reasons beyond your control.
Covers the structure of the property. Most lenders require it from exchange of contracts.
Protects your belongings inside the home. Useful as soon as you move items in.
A specialist policy designed to reduce the financial sting if your purchase doesn't complete. Sometimes called “home buyer protection insurance”.
Tip: Policies vary. Always check the reasons you're covered for, limits and exclusions.
Typical cost: often around £50–£150 as a one-off payment (policy dependent).
The essentials for protecting your property and belongings.
Most lenders require this from exchange of contracts. You become responsible at exchange, not completion — check start date carefully.
Protects your belongings inside the home. Many insurers offer combined buildings + contents at a discount.
Typical ranges only — your price depends on property value, location, cover limits and personal circumstances.
£80–£120
one-off
£200–£350
per year
£50–£200
per year
We'll talk it through — no pressure. Mon–Fri 9am–8pm, Sat 10am–5pm.
