Cheap homeowners insurance N.I.

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Homeowners insurance N.I.

Looking for cheap NI homeowners insurance? You’ve come to the right place. Apricot is a Belfast insurance broker specialising in finding quality insurance for NI residents at fantastic prices. Whether you’re looking for buildings cover or contents cover, or both, we will search our competitive panel of insurers to find you a quote that suits. We have a highly experienced team behind the scenes who are dedicated to helping our customers. And to get a quote – all you need to do is contact us or follow the button below for online prices.

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What our customers say about Apricot Insurance

Homeowner insurance NI

Ensuring you are best protected with a policy you can afford can be challenging. At Apricot Insurance, we have over 35 years of experience in Northern Ireland and know how to get you an NI homeowner insurance quote (also known simply as home insurance or house insurance NI) you can both afford and rely on.

What is a homeowner insurance policy?

Homeowner insurance is there to safeguard your home and/or its contents against theft or damage (fire or flood damage).

What does it cover?

There are three variations of home insurance cover:

  • Home and contents insurance – this covers your house and belongings against loss or damage in event of fire, theft, or storm (flood damage). Accidental damage can be added
  • Home insurance – covers your house and other structures
  • Contents insurance – covers your belongings

Is it cheaper to combine building and contents cover?

Yes, it is generally cheaper to insure building and contents in tandem. Do check with your provider.

Do I really need homeowner insurance?

If you have a mortgage, you are contractually obliged to obtain buildings insurance. It’s up to you to insure your contents but is advised.

Is it cheap to buy homeowner insurance in Northern Ireland?

No. Household insurance NI is a whopping 30% more expensive than the on the mainland. So you have to be even more savvy when choosing.

Do council tenants in Northern Ireland need homeowner insurance?

Tenants should have contents insurance to protect possessions from fire, theft or other damage. They can add accidental damage as an extra.

What could invalidate my homeowner insurance?

Inflating the cost of your valuables, not notifying your insurance company of any changes, taking on a lodger, and using your home as a business, that sort of thing.

Tips on reducing insurance costs

  • You will get a range of prices from NI providers, so do shop around.
  • Getting hold of crime statistics in your area could bring down the cost of your cover.
  • Paying a higher excess can reduce your homeowner insurance premium.

When is the best time to get a new quote?

About a month before is the optimum time and will most likely yield the cheapest offers. At Apricot, we can get you cover at fair price with a good return should you need it.