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.

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.

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?

  • 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.

Why choose Intasure?

With over 20 years of experience providing cover for second homes in the UK and abroad, we’ve built up a team of specialists to help you find suitable cover.

Some of the benefits of taking out an insurance package with Intasure include:

Cover overseas

We provide cover in more than 20 countries and territories

UK teams

We have an in-house UK-based customer service team

English documents

We provide all policy documents and communications written in English

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We are rated ‘Excellent’ on Reviews.io, with 96% of reviewers recommending us*

*correct as at January 2024

What types of property insurance do we offer?

We’re here to help you take care of your investment with insurance cover for your property. Talk to our experienced staff today to arrange a policy that fits your property. Call us on 0345 111 0680.

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Our mission as second home insurance specialists

We comprise of an in-house team of sales, renewals, customer service, claims, and underwriting specialists. Our aim is to help you find property insurance that suits your needs.

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*correct as at June 2024

Specialist second home insurance from Intasure

Learn more about the cover our products provide:

Second Home Insurance

Cover in the UK and abroad.

Landlord Insurance

Cover for UK let properties.

Holiday Home Insurance

Insurance for holiday homes in the UK and abroad.

Airbnb Insurance

Buildings and contents insurance suitable for holiday homes let via Airbnb.

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