New Build Home Insurance: Everything You Need to Know

new build home insurance


Congratulations on your new build home! This is a major milestone in your life, and you want to make sure your new investment is properly protected.

One of the most important things you can do is to purchase new build home insurance. This type of insurance is designed to specifically protect your new home from a variety of risks, including fire, theft, and natural disasters.

In this article, we will discuss everything you need to know about new build home insurance, including what it covers, how much it costs, and how to get the best deal.

So, if you are a new build homeowner, then this guide is for you.

What is New Build Home Insurance?

New build home insurance is a type of insurance that is designed to protect your new home from a variety of risks, including:

  • Fire
  • Theft
  • Natural disasters
  • Vandalism
  • Malicious damage

New build home insurance is typically more comprehensive than standard home insurance policies, and it can provide you with peace of mind knowing that your new home is protected.

What Does New Build Home Insurance Cover?

New build home insurance typically covers the following:

  • The structure of your home
  • Your personal belongings
  • Additional living expenses if you are unable to live in your home due to a covered loss
  • Liability coverage if someone is injured or their property is damaged on your property

Some new build home insurance policies also offer additional coverage, such as:

  • Coverage for swimming pools and hot tubs
  • Coverage for landscaping
  • Coverage for theft of building materials

How Much Does New Build Home Insurance Cost?

The cost of new build home insurance will vary depending on a number of factors, including:

  • The size and value of your home
  • The location of your home
  • The type of coverage you choose
  • Your deductible

On average, you can expect to pay between $1,000 and $2,000 per year for new build home insurance.

How to Get the Best Deal on New Build Home Insurance

There are a number of things you can do to get the best deal on new build home insurance, including:

  • Shopping around for quotes from multiple insurance companies
  • Increasing your deductible
  • Bundling your home insurance with other policies, such as auto insurance
  • Installing security features in your home

By following these tips, you can save money on your new build home insurance policy without sacrificing coverage.


New build home insurance is an important investment that can protect your new home from a variety of risks.

By understanding what new build home insurance covers, how much it costs, and how to get the best deal, you can make an informed decision about the right policy for your needs.

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