House Insurance Quote Northern Ireland

At CoverBuilder we work with a panel of insurance companies who specialise in covering house 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 number of optional covers you can add on to your policy from 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 home insurance quote will take you through all the questions you need to answer and allow you to build your insurance package. Simply choose your method of payment and then manage your policy online from any smartphone. Get a quote in minutes for NI home insurance.

Our Northern Ireland home insurance policies can include;

  • Buildings cover up to £1.5million
  • Contents cover up to £150,000
  • Personal possessions up to £40,000
  • 24/7 Claim helplines
  • Trace & Access cover up to £5000
  • Damage caused by theft or attempted theft
  • Malicious damage cover
  • Structural damage from subsidence, heave or landslip
  • Cover against flood and storm damage
  • Damage caused by escape of water or oil
  • Legal Cover Included as standard
  • Optional Home Emergency Cover
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Whether you live in a standard brick and tile construction house or a more complicated risk such as a prefab property, our flexible cover options mean that we will have a policy to suit you.


Chat online with an insurance expert

Often insurance can involve more complex situations and circumstances, therefore we have our insurance experts standing by to help you through a vacant home insurance quote. if you have any questions about how to quote for your type of property, personal circumstances or special insurance needs – just chat to us here.

House Contents Insurance Northern Ireland

At CoverBuilder, we also provide the option to include personal possessions cover on your renter’s insurance policy. By selecting this optional cover, items such as mobile phones, laptops or expensive handbags can be covered against damage, loss or theft both within your home and when you are out and about.


Benefits of a CoverBuilder renters insurance policy:

  • Full contents cover available – protect your important belongings
  • Avoid paying for cover you don’t need
  • Cover for Landlord’s fixtures and fittings
  • Personal possessions cover available for items such as mobile phones


Specified personal possessions:

Any valuables that you want cover for that are worth more than £1000 will need to be listed individually on your policy.

Example: a diamond engagement ring worth £1800 would be a specified item. The specified items section doesn’t need to include general furniture such as sofas or beds.


Unspecified personal possessions:

If you want cover for personal items which are worth less than £1000 individually then you can cover them as unspecified personal possessions, under a blanket cover. This category includes items such as mobile phones or tablets. You will not need to duplicate specified items in this section.

Standard home insurance

If you are a property owner, or you rent but own your own furniture, then home insurance is a vital cover to have in place.

Your policy can provide you with peace of mind that should any disaster or accident occur at your property, the funds will be available for you to repair the damage to your building or contents. Whether it is repairing foundations after subsidence or replacing your sofas after a flood, home insurance is there to protect you.

Our comprehensive Northern Ireland home insurance policies mean that you will be fully covered no matter the damage that occurs at home.


Non-standard home insurance

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.

At CoverBuilder we work with a number of insurers who specialise in offering home insurance policies to those who, unfortunately, fall into a non-standard category, including NI property home 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. Compare NI home insurance quotes online for non-standard risks by clicking ‘Get A Quote’.

Examples of non-standard property risks:

Properties undergoing renovationUnoccupied propertiesProperties with a flat roofPrevious SubsidenceUnusual construction

Examples of non-standard personal circumstances:

Working from homeHigh-risk occupationPreviously refused insuranceClient CCJs, IVAs and BankruptcyBusiness from home cover

Home Insurance NI Quote

Get a range of quotes to compare NI quotes from our fully online service. We work with a panel of insurers to make sure your needs are covered at competitive prices. If you want Building and/or Contents or if you have a non-standard insurance need, our online quote comparison will help.

Get A Quote