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Moving into a newly-built house? Lucky you! We’re sure you’ve got a list of things to do as long as your arm – so let’s make home insurance a job you can tick off easily.
There’s certainly a buzz around moving into a new build – knowing you’re the first person to make the house a home; it’s an exciting time. But it’s still very important to make sure you’ve got the right home insurance for you. That’s where we come in. Whether you’re a first-time buyer, or moving into your dream home, our home insurance options have you covered. Meaning you’ll have more time to work out just how you want your house to look.
What kind of insurance do I need for a new build?
Most new builds are protected against structural damage for up to 10 years. Despite this, you’ll still want to look at buildings insurance as a minimum. If you’ve got a mortgage, it’s likely that your provider will require you to have it before exchanging contracts anyway. Buildings insurance covers the structure of your home, alongside any permanent fixtures and fittings. This means that any fitted rooms are covered, such as your swanky new kitchen and pristine bathroom. It also covers you for damage caused by things such as storms, floods and fires. So, more than just a nice to have – buildings insurance is often a necessity, and certainly something you’ll want to give you peace of mind.
Beyond that, you’ll also want to consider contents insurance. While it’s not a requirement to have contents insurance, it’s certainly worth getting. After all, you haven’t spent out all that money making this new build your own not to protect all those shiny new sofas, TVs and beds, right? Contents insurance protects all of your household goods, valuables and possessions you have in your home if they are damaged, stolen or destroyed.
Are new builds cheaper to insure?
You may find that buildings insurance for your new build is a bit cheaper compared to a similar, older house, with the same number of bedrooms. That’s because, more often than not, new builds come with the latest, high-standard safety features – meaning that a break in is less likely.
Add to that the brand-new plumbing, roof fittings and electrical work and you’re less likely to make a claim on your home. All of this can result in cheaper buildings insurance.
Why should I insure my new build with AXA?
Here at AXA we know that everyone has different needs. That’s why we have three different levels of cover to choose from:
Each one includes different cover limits and some even come with optional extras as standard. You can take a look at the differences in the table below. Regardless of which you choose, you can rest assured that you’ll receive our expert customer service and support whenever you need it.
Cover levels
Product
AXA
Premier
Home Insurance
AXA
Plus
Home Insurance
AXA
Home Insurance
Cover item
Defaqto rating
5 Star Defaqto rated for 2024
5 Star Defaqto rated for 2024
Buildings
Unlimited
£1,000,000
£500,000
Contents
£100,000
£75,000
£50,000
Guaranteed repairs
Included
Included
Included
Accidental damage for buildings
Included
Optional
Optional
Accidental damage for contents
Included
Optional
Optional
Alternative accommodation (buildings)
£100,000
£50,000
£30,000
Alternative accommodation (contents)
£25,000
£20,000
£15,000
Personal possessions
Optional
Optional
Optional
Emergency cash advance
Included
Included
Included
Replacement keys and locks
£1,000
£1,000
£1,000
Legal expenses
£100,000
Optional - up to £50,000
Optional - up to £50,000
Home emergency cover
£1,500
Optional - up to £1,000
Optional - up to £1,000
Are there any extras I should think about?
Alongside our three levels of home insurance, you also have a range of optional extras you can add on to your policy. Some of these are already included in our AXA Premier Home Insurance cover, so it’s worth having a think about what cover you need as a base before you add any of these extras on. Here’s just a few of the extras we offer:
- Home assistance for 24/7 emergency callouts
- Accidental damage cover for buildings and contents
- Personal possessions cover
- Specified items (allows you to protect higher value items whilst at and away from home)
- Legal expenses
- Student cover for your family if they’re at university or college
- Specified Bicycles (allows you to protect higher value bicycles in addition to the standard cover we automatically provides)
What do customers say about AXA Home Insurance?
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