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New Build Home Insurance

Tailor your new build home insurance cover to suit your lifestyle
24/7 new home insurance emergency claims service

Cover in more than 20 countries
Over 20 years of holiday home expertise
24hr emergency claims helpline
Cover for unoccupied properties included

New Build Home Insurance

New build homes typically come with a 10-year warranty, but it will only protect you against issues caused by the developer. To get cover for other potential issues, you may need home insurance. New build home insurance can provide cover for new build homes and may be cheaper than standard home insurance.

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What Is New Build Home Insurance?

New build home insurance protects your new build home and your possessions within it. It goes beyond your new build warranty as it covers the cost of repairing or rebuilding your home if there is an incident that is not the fault of your property’s developer. This can include fires, storms, floods damaging your property and the cost of replacing items if they are stolen or damaged.

Buildings insurance

Provides protection for your property’s structure and fixtures against a range of risks, including fire, flood, and structural damage.
Contents insurance

Provides protection for your personal belongings and possessions within your home, such as furniture, appliances, and valuable items like jewellery and electronics.
Combined insurance

Combines buildings and contents insurance into a single policy to help ensure aspects of your home and belongings are protected.

Our Partners

Intasure works with an established partner to provide flexible insurance options.

Do You Need Home Insurance For A New Build Property?

The 10-year warranty of your new build home will usually only cover issues caused by the developer. That means without new build home insurance, you could be left out of pocket if there is a flood, a fire, or another incident that is not the developer’s fault. Another reason is that many mortgage lenders will insist on having home insurance. Therefore, without adequate cover in place, you may not be able to take out a mortgage.

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What Is Covered By New Build Home Insurance?

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Buildings insurance

Provides cover accidental damage to your property’s structure, fixtures, fittings, doors, windows, fences, and gates, up to £1m.
Contents insurance

Helps protect against theft or damage to your personal belongings, furniture, and possessions within your property. includes items you take outside your home, such as electronics and jewellery.
Accidental damage cover

Helps to cover accidental damage to fixed glass, fixtures, and solar panels.
FLEE Cover

Provides protection against various natural disasters, including fires, lightning, earthquakes, and explosions.
Leaks and burst pipes

Helps cover against leaks and burst pipes.
Property owners and occupiers’ liability

Provides cover for property owners and occupants, providing financial protection against liability claims up to £2 million.
Malicious acts, vandalism, theft

Helps protect your home and belongings from deliberate harm or illegal activities, like burglary.

Are New Builds Cheaper To Insure?

New build houses can sometimes be cheaper to insure than standard home insurance. That’s because many new builds feature the latest, high-standard features. This helps reduce the risk of theft and damage to your property, which may make your premiums cheaper.

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