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More advice needed: insuring two properties

1 reply

GurlWithACurl · 18/03/2025 13:59

All of your kind comments were so helpful for my last query. Now I have a new one:

We are very fortunate that we can afford to buy our new home before selling this one. This does, however, give us some issues/problems that we need to sort out and organise. This one is about house and contents insurance.

NH = New Home
OH = Old Home

The solicitor has given us a date for our new home (NH) at the beginning of May. We can’t move in immediately because we have to get some adaptations done because of our disabilities. Obviously, we don’t have any idea of how long this will take. When everything is sorted, then we will empty our present house (OH) and move across to the new one (NH).

At that point, we will have this house (OH) cleaned and put it on the market. Again, we have no idea of how long it will take to sell, but we will price it accordingly because we want it taken off our hands as soon as possible.

So, we will have a period where we will own two houses. First NH will be empty with work being done and the OH will be lived in. Then we will move into NH and OH will be empty and on the market.

So, my question is about house insurance. I have been given a couple of insurance company names and I will contact them for advice and quotes. But does anyone have knowledge of this area of house buying and selling and could you please give us some pointers?

I hope this post is clear enough. TIA

OP posts:
Josiezu · 18/03/2025 14:01

You will need insurance policies for both and you will need to update your policy regarding it being vacant and works being carried out.

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