Home Insurance Moving House

Moving house can be stressful and with so many things to sort out, thinking about home insurance may not be at the forefront of your mind.

However, even for those moving house, home insurance can be a simple process. Many home insurance companies can accommodate for changes you may wish to make to your address and your policy. You should really start thinking about home insurance from the moment you have signed the contract on the new property. Having building insurance in place is a requirement if you are taking out a mortgage in order to buy the house.

See below for more information about home insurance when you're moving house, or, if you're looking for home insurance quotes, use one of the comparison services to make sure you get the best deal:

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*10% of Confused.com home insurance customers saved over £256 against their previous renewal price (Oct-Dec 2012)

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Compare more than 87 insurance companies. 99% of people could save on home insurance and you could save as much as £116.32.
If you are staying with your current home insurance provider, they may be able to quickly and easily change your address and help you to source the appropriate cover for your new home.

Some insurance providers will offer cover for any damage your items receive in the moving process, although they may need to be packed away by professional home movers in order to insure them.

Because properties are considered to be a high risk during the moving process, you may find that your premiums will be a little high than usual. Many home insurance providers recognise that your home will be under more threat from damage, theft and break-ins.  There are a few things you can do to make sure you're well protected:

  • Change the locks on doors and windows
  • Add fitted security and alarms to your new home, if you have not already.
  • Use new passwords or codes for your security.
  • When you finally move home, make sure that the removal van is secure and that your items are safe.

You may want to contact your insurance provider and see if they can offer you a good deal. Alternatively, you can shop around online and compare a few home insurance for moving house quotes so that you receive the best home insurance cover and price.

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Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

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Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Home contents insurance will cover your mobile phone if it is damaged or stolen in your home – check the details of the policy to see whether your phone will be covered when you take it outside the home. You can also take out extended accidental damage cover if your contents policy does not fully protect you should you accidentally damage or lose your mobile phone. For an additional premium, insurance providers will extend your contents policy with personal belongings cover, which protects your possessions from loss, theft and damage outside of the house and around the world. Please note that this may be at an extra cost.

If you decide to upgrade to a new mobile phone, you must inform your insurer as you may not be entitled to make a claim if you do not.

If you are considering including a mobile phone on your home insurance policy then try visiting a few different companies and comparing cover and prices. Make sure that you find adequate cover that protects your mobile phone both inside and outside your home.