When should home and contents insurance start for a new build or renovation?

Construction insurance and home insurance are different products, and when one ends and the other begins depends on your policies and your contract. Before handover:

• Ask your builder, or your own construction insurer if you're an owner-builder, when their cover ends.
• Ask your home insurer when your policy should start, and tell them about any renovation or extension.
• Check with your lender, if you have one, whether they require cover to be in place from a certain date.

Related FAQs: What is Home Building Compensation Cover (HBCC) or Home Warranty Insurance? · What insurance is legally required for owner builders and home renovation projects?

This is general information only and is not insurance advice. Speak to your insurer or a licensed insurance adviser about your circumstances.