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    Is home insurance essential?


    Is it essential to get homeowner insurance before having a new house constructed? If not, when would it be necessary and also when would it be strongly recommended (if it’s not legally required)?

    Asked by Robert on 22nd Oct 2021
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    D&B Groundworks

    "It’s not a legal requirement although most mortgage providers make building insurance a part of the contract which will protect the structure of the building, as well as any permanent fixtures. If you are building your home privately without a mortgage I would recommend to get a builders risk insurance which covers your home (unfinished) from any accidental damage, workers damage or storm damage etc. And then when work is complete buy home and contents insurance"

    Answered on 1st Nov 2021 - Member since Aug 2021 - report
    Fenhomes property repairs and maintenance.

    "Not essential but recommended. Also if a new build should check the builder's liability insurance"

    Answered on 9th Nov 2021 - Member since Sep 2021 - report

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