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Ensure you are Insured - February 2012

When purchasing a house it is the buyer’s responsibility to obtain property insurance from 5:00pm on the first business day after the date of the contract.

It is recommended that as a buyer you take out insurance on the house straight away to cover building, public liability and contents insurance.

Contents insurance often includes many things which you might have thought are part of your building insurance eg tiles and light fittings. As you may not proceed with the purchase of the house after you sign the contract (finance or building and pest problems) some insurance companies will offer a free insurance period, referred to as a cover note. Others will offer you a full refund if you cancel within 30 days.

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