Is my FWD Home Insurance cover active right away or do I have a waiting period? Faith, your friendly assistant August 17, 2023 06:33 Updated No, there is no waiting period and you are covered from the moment you buy home insurance based on your policy start date. Related articles Must I inform FWD if the residence to be insured has changed? What is the ‘free look’ period for this FWD Home Insurance policy? What kind of events does FWD Home insurance cover? Where can I get a quote or buy home insurance from FWD? The property I would like to insure is not under my name, it is under the estate of a deceased family member. Can I still buy FWD Home insurance?