House Insurance NI – Compare Cheap Home Insurance Quotes
If you are settling into a new home in Northern Ireland you should be looking into a home insurance policy for NI. This can be essential when dealing with lenders if you have a mortgage on your property. But even if this is not the case, it is in your best interest to protect your home and finances from unexpected damage and loss.
If you are an experienced homeowner you could be tempted to keep the same home insurance policy you have always had and accept the insurer’s renewal rates. It’s natural to avoid this hassle in the middle of an already busy life, especially with insurers making it easy with auto-renewals. However, with insurance premiums taking a hike in recent years, home insurance is not something to be neglected.
You could save up to £165* by comparing costs from over 30 home insurance providers at CompareNI.com. We specialise in the NI insurance comparison market, so you get coverage from trusted insurers who have experience safeguarding Northern Irish homes.
Can CompareNI.com find me cheap home insurance in Northern Ireland?
If you are a Northern Ireland resident looking for home insurance, you are in the right place for a quote. We compare a range of trusted insurance providers with experience working in NI to help you find a great deal on your Northern Ireland home insurance. Just fill some basic details in to our online form and you will get a results page full of competitive quotes listed with the cheapest one first.
By filling in our form once, we help you quickly find quotes for buildings insurance, with or without contents insurance. From here you’ll be able to review quote costs and details, select the policy you want, and go straight to the provider’s website to buy online, or even contact them by phone to purchase or get more information before you buy.
It can be as simple as that! In the current economic climate, it can be important to make sure you have the right cover and the right price, so use CompareNI.com to help you search for cheap house insurance in Northern Ireland!
How much is home insurance in Northern Ireland?
Insurers will calculate your NI home insurance premiums on an individual basis, so there is no one size fits all cost. The quickest way to find out the cost for your home is to get personalised quotes for home insurance in Northern Ireland. This lets you see the prices that match the coverage you need and can help ensure you are not overpaying.
It can also help to know what factors insurers use when calculating premiums for your NI home insurance. These include:
- The type of property
- The location
- Construction
- Your details including age and occupation
- Level of occupancy for the property
- Security of the property
How can I get the cheapest NI home insurance?
With a lot of people in Northern Ireland suffering from increased insurance costs, it can be tempting or even necessary to look for the cheapest home insurance possible. But it’s important to find a balance between your budget and your coverage needs. If something unexpected happens to your house and it is not covered, it could cost you a lot more, in the long run, to deal with the financial fallout alone.
Some strategies that could help you find cheaper NI home insurance are:
- Increased security measures – Burglar alarms, deadbolts, security cameras and motion-sensitive lighting.
- Reducing the risk of damage – Installing smoke alarms, fire extinguishers or flood barriers.
- Increase your excess – Just ensure it is still something you can cover in the event of a claim.
- Build a no-claims history – This demonstrates that you are a lower risk to insure.
- Choose coverage carefully – Choose only the cover you need so you are not overinsuring your house.
- Pay annually – Insurers will often offer discounts for paying the annual cost rather than monthly.
- Shop around – This gives you a better benchmark for costs and lets you compare home insurance NI policies.
It’s essential to always be honest and transparent with your insurer at every turn, including when filling out your details on our form. Giving misinformation can completely invalidate your coverage, and this is something you might not realise until it is already too late and you are filing a claim.
What is considered the best home insurance in NI?
This will really depend on your needs, but rest assured that any policy that you are presented with on CompareNI.com will be from a trusted and regulated insurance company, and we uphold the highest FCA standards in all our business activities.
The best coverage options for you can typically be met by the following home insurance policy types:
- Buildings only – This covers your home, outbuildings, pathways, boundary walls, fences and gates, along with its fixtures and fittings.
- Contents only – Covers household goods and personal possessions belonging to you or a member of your household.
- Buildings and contents – Combines the cover offered under the two separate policies into one package.
We also offer a vast range of tailored home insurance policies for NI homes. So whether you are looking for landlord insurance, flood risk insurance, or coverage for your holiday home, we can help you find the best policy for your needs and budget from insurers you can trust.
We can help you find home insurance no matter where you live in Northern Ireland including Belfast, Newry, Carrickfergus, Derry, Coleraine, Ballymena, Newtownards, Lisburn, Bangor, Craigavon, Castlereagh, Cookstown, Downpatrick, Limavady, Strabane, Enniskillen, Larne, Down, Holywood, Omagh, Fermanagh, Dungannon, Lurgan, Londonderry, Antrim, Armagh, Tyrone, Banbridge, Maghera, and everywhere else!
*51% of consumers could save £165.27 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next seven cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023. The savings you could achieve are dependent on your individual circ*mstances.
