Home Buyer's Insurance

Protecting your pocket with a one-off payment of £69


Buy now for £69


How Homelyfe works

Here is how it works

You've found the perfect property, your offer has been accepted, you've applied for a mortgage, arranged a survey and instructed a solicitor.

At this point, you might have paid hundreds if not thousands of pounds in fees and then the worst happens, and the sale falls through.

There are lots of reasons why this can happen:

  • Gazumping – someone else comes in with a higher offer
  • The seller decides to take the property off the market
  • The mortgage lenders valuation is lower than the offer
Protect yourself from Gazumping

Home Buyer's Insurance

Protects your pocket by providing cover for up to £2,250 for just a one-off payment of £69!

  • Conveyancing & search fees up to £1,500
  • Survey & valuation fees up to £500
  • Mortgage arrangement fees up to £250
Our guide to Gazumping

Our guide to Gazumping

What is gazumping, Is it legal, how frequently does it happen?

We surveyed 1,300 British homeowners and those who were looking to buy their first home with YouGov and were surprised to find that gazumping happens more often than you think in the UK, with home buyers having a one in ten chance of being gazumped.

Read our guide to gazumping and find out more

Here is the legal bit

You can read our summary here, but it does not describe all the terms and conditions of this policy, so please take time to read the full policy documents below, so you completely understand the cover it provides.

How long does the insurance last

You’re covered for up to six months (182 days to be precise) from when you take out the policy.

Your cover starts from the moment you have bought the policy, which must be within 7 days of your offer for the property being formally accepted, in writing, by the seller.

Your cover will only end at the end of the policy or if you claim, complete or cancel.

View full policy

What don't we cover

Significant Exclusions or Limitations -

  • The policy does not cover costs and expenses incurred prior to the inception date
  • If you are aware of a previous survey of the property which may lead to an insured event
  • If you decide to withdraw from the purchase of the property, unless the reason is covered by an insured event
  • If an insured event occurs due to a deliberate act by you
  • If they can be reclaimed from or refunded by another party

View full policy

Right to cancel

If you decide for any reason that this isn't right for you, then you can get a full refund within 14 days of purchase, as long as no claims are outstanding.

View full policy