Cheap building insurance N.I.
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Building insurance N.I.
Whether you own a house, apartment or another type of building, it’s important to get the right building insurance. When you get building insurance quotes from Apricot, we’ll search a wide range of insurers to find you our best deal. We also have a friendly team based here in NI, with over 35 years combined experience! So if you need personalised help we’re here to support you. Enquire today, or get a quick online quote.
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What our customers say about Apricot Insurance
“My household claim was settled promptly and to my total satisfaction, thank you for all your help.”
Lisburn, Northern Ireland
“I have bought my car insurance from Apricot Insurance for the last few years – their staff are always friendly and easy to deal with.”
“I am delighted that you could place my van insurance as I was having difficulty with other brokers. The premium was the best in the market and your attention to detail and friendly approach made it easy for me.”
Building insurance NI
No matter where your building is based in Northern Ireland, you can find an affordable insurance quote. We compare the best building insurance quotes from leading UK providers to ensure you get the best deal. Apricot Insurance will help you to avoid overpaying for this type of insurance and allow you to easily compare different coverage options to best suit what you require quickly and simply.
What does building insurance cover?
Damage to the structure of your property is covered by your building insurance policy. Aside from garages, sheds, and fences, the insurance also covers pipe, cable and drain replacement costs. Fire, explosions, storms, floods, and earthquakes are usually covered by building insurance.
How much does building insurance typically cost?
It costs an average of £110 a year to insure a building and its fixtures (including kitchen white goods) and fittings (bathroom etc). Free-standing white goods would be covered under contents insurance.
Is building insurance the same thing as home insurance?
No. Home insurance policies include two types of policies: building insurance. The second type of insurance is contents insurance NI, which protects your belongings. It is possible to purchase separate policies for these two types of home insurance or to buy both types of cover together.
Do I need unlimited building insurance?
A standard building policy should cover the rebuild costs of your home, so unlimited building cover may mean you’re paying for more than you need. Home insurance might not be 100% unlimited, there may still be limits on some aspects of coverage, with this said it’s always best to check with your provider first.
Who pays building insurance on a leasehold property?
Some leasehold properties already have building insurance taken care of by the freeholder. Many freeholders purchase building insurance themselves and recover a portion of the cost from leaseholders.
Are cracked walls covered by building insurance?
Your building insurance should cover the cost of repairs if cracks in your walls are caused by subsidence. Building insurance policies will cover subsidence-induced cracks in walls provided your home has not previously experienced subsidence.
Is building insurance included in the service charge?
Maintenance is included in service charges, but landlords only have to complete the services stipulated in the lease. In addition to the leasehold service charge, building insurance may also be included.
Who pays building insurance on a commercial property?
Building insurance should be your landlord’s responsibility. A landlord is not legally required to carry building insurance, but it is recommended since it protects not only their tenants but also their investment. If you are unsure about your commercial property, check with the landlord to ensure that they are paying for building insurance.
Where can I find the best deals for building insurance?
You can use our comparison tool at Apricot Insurance to find the best deals. No matter your budget, we will present options that you can afford and ones that include the best type of cover for you.