How to sort your home insurance when you move house
Your existing home insurance policy won't automatically cover your new property. You need to either transfer it or arrange new cover — and you need to make sure there's no gap between moving out of one place and into the next.
Do I need new home insurance?
If you own your new home, yes — your mortgage lender will require buildings insurance as a minimum. Contents insurance is optional but strongly recommended. If you're renting, you only need contents insurance (your landlord covers the building).
Can I transfer my existing policy?
Most insurers will let you transfer your policy to a new address, though the premium may change based on the new property's risk profile (location, age, security features). Contact your insurer to discuss — some will charge an admin fee for the change.
When should I arrange it?
Have your new policy in place from the date of exchange (not completion) if you're buying — because you become financially responsible for the property at exchange. Your conveyancing solicitor can confirm the exchange date. For renters, arrange contents cover to start from your move-in date.
Compare before you commit
Moving is a good opportunity to compare home insurance deals. Your current provider may not offer the best rate for your new property. Comparison sites make this quick — just make sure you're comparing like-for-like cover. Use our moving house checklist to keep track of this alongside your other financial tasks.
Common questions
- When does my old home insurance end?
- Contact your insurer to cancel or transfer on your move date. You may get a pro-rata refund for the remaining term. You should also review your car insurance at the same time, as your premium may change with a new address.
- Do I need buildings insurance if I'm buying a flat?
- Usually the freeholder's buildings insurance covers the structure. You'll need contents insurance and may want to check what the freeholder's policy covers.
- What should buildings insurance cover?
- It should cover the rebuild cost of your property (not the market value). Your mortgage lender may specify a minimum level of cover.
Related guides
- How to update your car insurance when you move houseMoved house? Update your car insurance immediately — failing to do so could void your policy. Here's what to do and why it matters.
- How conveyancing works when you buy a houseBuying a house? Conveyancing is the legal process of transferring ownership. Here's what your solicitor does, how long it takes, and what to expect.
- How to update your bank and financial providers when you moveMoving house? Update your address with your bank, credit cards, and loans. Here's a checklist of financial providers to notify.
Moving soon? Get your free personalised moving checklist — we'll tell you exactly what to do and when.
Get your free moving checklist