Home Insurance for New Build Homes
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Flexible cover for your newly completed home
Once a new home build is complete and ready for occupation, home insurance will ensure the structure and contents are protected. Gallagher helps homeowners transition from site or construction insurance to a home insurance policy designed for newly built and/or self build properties.
Gallagher works with a wide range of insurers to arrange suitable home insurance for new builds. Whether the property is owner-occupied or mortgaged, our advisors help ensure your cover begins at the right time and offers the best protection for the property you have worked so hard for.
Home Insurance Quick QuoteBenefits of Choosing Gallagher
More Choice – 1, 2, or 3-year home insurance terms available
Personal Expert Advice – Qualified Insurance Advisors guide every decision
Specialist Properties Covered – Period homes, high-value, landlord, mobile, and unoccupied properties
In-House Claims Team – Direct access to specialists who know your policy
Flexible Payment Options – Spread costs across any policy term
Proper Coverage Advice – We ensure your buildings & contents are correctly valued
We offer the following home insurance policies
- Buildings & Contents Insurance
- 2 or 3 Year Home Insurance Policies
- Buildings Only Insurance
- Policies for Non-Standard Risks
- Contents Only Insurance
- Cover for Owner Occupied / Rental Homes
- Unoccupied Home / Holiday Home policies available
Policy Features
Our team can help you choose the right Home Insurance for you
Key Care Cover & Legal expenses cover in first year
Imagine the cost of replacing your household keys and locks. Key Care covers you for replacement locks, keys and locksmith charges up to €1500 PLUS many more benefits
Get a Quote24 & 36 month Home Insurance available
Lock in the price of your Home Insurance over 24 or 36 months. You can spread the cost of your insurance while also enjoy less paper work over the duration of your policy
Request a CallbackAccidental Damage Cover available
Accidental Damage Cover is an optional extra. This covers you for sudden or unexpected damage to fixtures and fittings in your home such as Broken windows.
Get a QuoteFrequently Asked Questions
New homes should be insured for their full rebuild value – including labour, materials, site clearance, and permanent outbuildings. This amount may differ from the construction or purchase cost.
Home insurance is usually required once construction is complete and the property is ready to be occupied. During the build phase, cover is generally provided under a separate site or self-build policy.
Contents insurance can be added once the home is furnished. It covers household possessions such as furniture, appliances and personal belongings, subject to policy terms.
Buildings and contents cover generally extends to garages and outbuildings on the property, including their structures and certain contents, depending on the policy.
Some insurers offer 1, 2 or 3-year home insurance policies, subject to underwriting criteria and policy conditions. If you would like more information, please ask our team of advisors.
Home insurance does not cover construction defects. These may be addressed under separate structural warranties or guarantees provided by the relevant builder and/or tradespeople.