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Home Insurance Quotes NI ( Northern Ireland )
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Home Insurance NI explained
It absolutely does not matter whether you live in a studio flat in Belfast, or a six-bedroom house in Malone, there is no doubt that your home is your castle. In the event something should go wrong, it is super-important that you have done everything possible to prepare for this eventuality. First and foremost is making sure that you have the protection in the form of a good NI Home Insurance policy.
What if there was a storm, and your roof was damaged, or a fire? Would you have the ability to pay for these repairs? Do you have any idea where you would live if because of these events your home was uninhabitable? Your home no doubt will contain some of your most valuable possessions. Should you be the unfortunate target of burglars, could you afford to replace your jewellery collection or your flat-screen TV? Do you have home insurance NI to cover all this?
Types of Home Insurance NI and how much cover is recommended?
A fire is always devastating, and it could burn your house to the ground. It is advisable to carry enough insurance to cover the cost of rebuilding your home. Here, it is important to remember that the rebuild cost will never be the same as what you paid for the house or the current market value.
Do your due-diligence and make sure you work out an accurate rebuild cost. Not doing this could not only cause you to pay for cover you do not need, or worse yet, you could find yourself with an insurance shortfall, and wind up with a big bill.
Some NI insurance companies and brokers offer unlimited cover, which simply means that they will pay out, whatever the cost. Although this sounds great, it’s important to bear in mind that this often times can work out to be more expensive. Sometimes they might calculate a sum based on property type and location, and the number of bedrooms. It’s always a good idea to check the accuracy of this number yourself, the details of which should be in your home insurance NI policy documents.
Regular review of rebuilding costs, to ensure the figure is up-to-date (as prices inevitably change over time) is highly recommended by industry experts. In addition, you may have renovated or extended your home. This also can affect the re-build cost and the resulting costs of home insurance in Northern Ireland.
How about the contents of my house, will Home Insurance NI cover these?
In addition to insuring the actual structure, you will also need to insure its contents against loss or damage. This damage can be caused by lightning, storms, fire, flooding, or other water leakage.
Your possessions (the contents) are often times more valuable than you may think. Undoubtedly, the best way to ensure that you have adequate cover is to literally walk around your house and compile an inventory of your possessions. Take your time and be precise, as these items can add up to a tidy sum. Contents include furniture, carpets, curtains, and clothes. Make it a point not to forget the contents of your shed.
The importance of this figure cannot be under-stated. This will be part of the total amount the insurer will pay should you need to make a claim on your NI Home Insurance policy.
Compare Home Insurance NI
Finding the best deal on home insurance NI involves comparing all the available options currently on the marketplace.
*51% of consumers could save up to £146.11 on their Home Insurance (Building & Contents). The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from March 2022. The savings you could achieve are dependent on your individual circumstances.