Tuesday 12 December 2017

Your new home awaits

Whether you're a first time buyer, switcher or mover, you are required to arrange home insurance
Whether you're a first time buyer, switcher or mover, you are required to arrange home insurance

All the paperwork has been processed and you've set a date for closing the deal and picking up the keys to your new home. So, what's next? There are many things people tend to leave until the last minute that should really be done in advance of moving house. Follow these steps to ensure your big move is as stress-free as possible

Early packing

The excitement of owning your own home comes with a desire to buy new furniture and décor to create the dream house you've always wanted. Make an interior design wish list, taking inspiration from online sites such as Pinterest, to help you decide how you would like your home to look and what items of furniture you can buy with your savings.

If you have furniture in your current residence and are considering hiring a removals company, reach out a few weeks in advance. You can never be prepared too early. At least six weeks in advance, gather any boxes or containers you could use on moving day, and set a weekly goal of when you want to clear out certain areas of a room.

Change your address

Change your address as early as possible so you don't have to rely on the new tenants of your old home to forward your mail. Notify the post office and any other relevant businesses. Don't forget to also give your new address to the important people in your life, your friends and family - they'll need it for the house-warming party! And, if you're renting, make sure you've informed your gas, electricity, broadband and oil suppliers.

Be insured

Whether you're a first time buyer, switcher or mover, you are required to arrange home insurance so that you can pay to repair or replace buildings, contents and valuables if there is a burglary, fire or other damage. Speak to your provider about the options that are available to you. You can also check out KBC's current offering opposite.

Have spare keyes

As soon as you have the keys to your new home, get them cut. Moving days can be very busy and it's easy to misplace keys when there's a lot of unpacking going on - and especially when you won't have an established routine to your new home yet. Have a set cut for each family member. It's also a perfect excuse for you to start getting to know the new neighbours - once you're comfortable with them, you can provide them with a spare key in case you need to leave town for a bit and something needs checking in the house.

Pack a first night box

The 'first night' box is essential for all moves. Naturally, you're not going to unpack every single box on your first day in the house - the moving itself will have taken enough of a toll! Pack a box with a change of clothing, toiletries, toilet paper, pyjamas, towels and any other essentials you feel are necessary for your first night (such as tea bags and some chocolates). This way, when the clock strikes midnight, you don't have to go searching through boxes trying to find your PJs or toothbrush. Finally, don't forget to get a good night's sleep the night before moving - you have a big day ahead of you!

Why insure your home?

Your home is often your most valuable possession and along with the building itself, the contents are usually of great personal value. Without adequate protection, one simple incident can have a devastating impact.

Home insurance can’t stop the incident taking place, but it provides peace of mind that things can be put back the way they were, quickly and with minimum fuss. If you have ever been in the position of needing to make an insurance claim when you have suffered a loss, you will know how important it is to have the right amount of coverage so that you are not left counting the cost through your own pocket.

If you’re a new residential mortgage customer with KBC, you can get 50% off your KBC home insurance for a year! Offers apply to first time buyers, movers and switchers until 31st March 2017*.

Terms and conditions:*Available for New Home Insurance policies for First Time Buyers, Movers and Switchers on Residential Mortgages. Offer ends 31st March 2017. Excludes Buy to Let properties. 50% off only applies in the first year. If the KBC Home Insurance policy is cancelled before the first 12 months have expired, KBC reserves the right to request the customer to refund the balance of the premium.

KBC Home Insurance products are exclusively underwritten, administered and provided by Zurich Insurance plc, subject to Zurich Insurance underwriting terms and conditions. Zurich Insurance plc is regulated by the Central Bank of Ireland.

KBC Bank Ireland plc is regulated by the Central Bank of Ireland.

  • If you would like to know more about this offer, including the conditions, drop into a KBC Hub or speak to a Financial Advisor.

Sunday Independent

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