ENSURE YOU GET INSURED!

SHOULD you be burgled or suffer a disaster like a water leak, there’s peace of mind in knowing you’re insured.

If you’re buying a freehold property, ‘buildings insurance’ needs to start from the day of exchange, not completion. Check your mortgage offer for stipulations – many insist on subsidence cover, for instance.

If you’re buying leasehold, chances are your freeholder will have buildings insurance, but do double-check.

‘Contents insurance’ is advisable: make sure you tot up exactly how much your possessions are worth – it’s easy to underinsure. And try to make sure the policy you take out meets all of your

insurance needs.