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.
Review your home insurance is 1 of 23+ tasks when you move
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Get my free moving plan →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.