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 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 floods, fires and storms. 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: HomeSafe (our premium, most comprehensive cover), HomeSure (midrange cover, with some extras included) and HomeSmart (essential cover, for basic protection). 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 item HomeSafe HomeSure HomeSmart
Buildings Unlimited £1,000,000 £500,000
Contents £100,000 £85,000 £75,000
Guaranteed repairs Included Included Included
Accidental damage for buildings Included Included Optional
Accidental damage for contents Included Optional Optional
Alternative accommodation (buildings) £100,000 £50,000 £50,000
Alternative accommodation (contents) £25,000 £20,000 £20,000
Personal possessions £2,500 Optional Optional
Emergency cash advance Included Included Included
Replacement keys and locks £1,000 £1,000 £500
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

With increased protection to £30,000 available as cover option

Are there any extras I should think about?

Alongside our three levels of insurance, you also have a range of optional extras you can add on to your policy. Some of these are already included in our HomeSure and HomeSafe 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
  • Legal expenses
  • Student cover for your family if they’re at university or college
  • Bicycle cover