CoverMapKey takeaway: Home insurance doesn't automatically transfer to a new address. Whether you're buying, selling or renting, there are a few things to sort out on both the old and new property to avoid a gap in cover.
Before you move
- Tell your insurer the moving date — most policies can be updated to the new address rather than cancelled and rebought, which can avoid cancellation fees.
- Check cover during the move itself — some policies cover contents in transit or temporarily in both properties; others don't, so ask explicitly.
- Get a fresh rebuild cost estimate for the new property rather than carrying over your old sum insured — see our underinsurance guide.
At the new property
- Update security details — alarm certification, lock types and whether the property is occupied from day one can all affect your premium; see our Home Security comparison if you're installing a new system.
- Reconsider buildings vs contents needs if you're switching between renting and owning, or moving into a leasehold flat — see our buildings vs contents guide.
- Re-shop the market rather than accepting an automatic transfer quote — moving is a natural trigger to compare providers again.
If the property will be empty for a while
Standard home insurance policies often have an "unoccupied" clause (commonly 30–60 days) after which cover can be restricted or void. If there's a gap between moving out and moving in, ask your insurer directly whether you need unoccupied property cover.