Why insurance matters from day one

Autumn is here, the nights are drawing in, and your new home suddenly feels real. At James Anderson Estate Agents, we know first-time buyers are excited to move in and make a space their own – but without the right insurance, a single mishap could become costly. From burst pipes to storm damage, having coverage in place from day one is essential.

Building vs contents

Building insurance protects your property’s structure, while contents insurance safeguards your belongings. Both are vital, particularly during the unpredictable autumn weather.

Valuation matters

Underinsuring is a common mistake. Accurate valuations for your home and possessions, along with keeping receipts and photographs, ensures you are fully covered if a claim arises.

At James Anderson, we offer a simple online valuation tool so you can quickly and accurately assess your property’s value from the comfort of your home.

Look beyond price

The cheapest policy isn’t always best. Check excesses, exclusions, and accidental damage coverage. Some providers even offer winter-specific add-ons, such as storm protection or temporary accommodation.

Be claim-ready

Understanding your insurer’s process, required evidence, and response times makes all the difference. Organising documents and photos from the start keeps claims simple and stress-free.

Peace of mind starts here

Protect your home and your investment with confidence. Speak to one of our Sales experts for tailored insurance guidance designed to keep your first home safe from day one.