Home insurance on a new property – no burglar alarm or smoke alarm giving me a high quote


Hi, I am buying a house – exchanging this week and need to get my buildings/content insurance in place.

The current owners do not have a burglar alarm, or smoke alarms, and I am getting insurance quotes for £300 to £800 which I would guess is because of this.

I intend to install both burglar and smoke alarms as soon as I am in the property – but they won’t have this at the point of exchange so I don’t want to under-insure.

Will insurance companies just adjust my premium once these are installed? Any experiences of good companies to go with?



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