Final tips
Make sure your buildings insurance policy starts from the day that you sign the contract, not from when you move in. If you do not have buildings insurance and the house is struck by lightning in between the time you exchange contracts and move in, it will be you who is liable.

You should review your buildings and contents insurance fairly frequently, and make sure that it is kept up to date with any major purchases or alterations to your home. If you fail to inform your insurance company of any building work you have done or expensive valuables that you buy after you take out the initial policy, you may struggle to recoup any money when you come to make a claim.

If you have any complaints about your buildings and contents insurer or require assistance with other problems relating to your insurer, please contact the insurance ombudsman. You can visit their website where you will be provided with information about who to contact and how.