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When do I need Insurance?

Under the Standard REIQ Contract the property is at the buyer's risk from 5:00 pm on the first business day after the contract is signed by both parties. This means that if the contract was signed on Monday and the house burnt down on Tuesday night, then the buyer would still have to proceed with the purchase of the property. This is why most solicitors and real estate agents will advise you to take out insurance as soon as you have signed the contract. This is particularly so where you have a cash contract or finance has been pre-approved. If a contact is subject to finance it is often recommended that the buyer obtain a cover note until finance is formally approved.

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