Buy Home Insurance NI online

If you’re looking for cheaper home insurance NI, then quote with CoverBuilder. We work with a panel of insurance underwriters who specialise in covering properties and flats in Northern Ireland. If you want to protect your building, contents and valuables then we will have a flexible policy for you.

We also have a range of optional covers you can add on to your policy for just a few pounds per month. Whether this is protecting your boiler with our home emergency cover or protecting your possessions away from the home too. Our fully online NI quote will take you through all the questions you need to get to a competitive quote.


Buy online NI home insurance

  • Buildings cover up to £1.5million
  • Contents cover up to £150,000
  • Personal possessions up to £40,000
  • Trace & access cover up to £5000
  • Damage caused by theft or attempted theft
  • Malicious damage cover
  • Cover against flood and storm damage
  • Damage caused by the escape of water or oil
  • Legal cover included as standard
  • Average call centre answer time under 1 minute


one minute call answer timeDo you have a question?

We have insurance experts ready to help if you want to ask a question about house insurance NI. Our average call answering is under 1 minute so give us a call on 0333 358 3359 or chat with us online via our livechat option (bottom right).


  • Home Insurance NI buildings and contents
    Competitive cover for Northern Ireland homes - buildings and contents policies from major name UK underwriters including AXA.

Quote comparison options

CoverBuilder works with a panel of main brand insurance underwriters, including AXA home insurance ni. We offer you exclusive premiums based on your circumstances. Quotes are available directly through our site or through CompareNI. We will never charge you more for coming to our website via comparison sites such as CompareNI. We will offer you a choice of cover that is appropriate to the answers you provided. You can select our lowest premium or a high level of cover.

Empty building insurance for Northern Ireland

CoverBuilder offers house insurance for properties that are left unoccupied for many reasons. These include awaiting property sale, renovating and property in probate. Our providers not only offer competitive cover for NI, but also can allow the property to be unoccupied for up to 12 months. Simply complete a quote and indicated how long you predict the property is going to be left unoccupied for. If you need to cancel mid-term then you can and receive a pro-rata refund for any unused premium.


Cover for listed buildings

We can offer cover for all grades of listing within Northern Ireland. Our Specialist listed building cover is designed with the knowledge and understanding that listed properties are more complex to rebuild or repair in the event of a claim.

We cover:

  • 1 Grade A: Buildings of the greatest importance to Northern Ireland including both outstanding architecture and the least altered examples of each style or period.
  • 2 Grade B+: Buildings which might have merited grade A status but for but have some kind of flaw, such as, an incomplete design or low-quality additions. Grade B+: also includes buildings that are above the general standard set by grade B buildings, due to exceptional features or interiors.
  • 3 Grade B: Buildings which are of local importance – often good examples of a particular period or style. Certain imperfections can be acceptable in properties of this grade.

If you would like to learn more about historic and listed buildings in Northern Ireland then websites such as Department for Communities have many helpful articles dedicated to this topic, including insurance.


Non-standard cover options

Insurance is based on the understanding of risk, the risk of the property, the person(s) and the influencing outside factors such as location. Generally, insurers have set areas of risk they prefer to focus on. Most of these areas are standard scenarios, common building materials, property constructions, personal circumstances etc. A specialist non-standard insurer will focus on offering cover where other insurers turn it down. We also have a range of specialist AXA home insurance NI policies available to ensure the best cover for you and your property.

At CoverBuilder, we work with a number of insurers who specialise in offering policies to those who, unfortunately, fall into a non-standard category, including NI property insurance. Our enhanced risk coverage means we can firstly, offer you a policy where others might have turned you away and secondly we can offer you a policy without penalising you on price.

What is the rebuild cost of my property?

Calculating a building’s rebuild cost will require the use of a buildings rebuild cost calculator. Learn more about why using an appropriate figure for your rebuild cost is essential to avoid underinsurance. We have a direct link to the BCIS rebuild cost estimator in our quote system that automatically suggests an estimated rebuild cost for you to use in your insurance quote. This is an estimate and needs to be treated as such to avoid under-insurance. Simply click to get a Home Insurance NI quote and the rebuild value will automatically populate an estimated figure.