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Hughes Home Insurance NI

All residents of NI have heard of Hughes insurance. Hughes Northern Ireland offer a wide range of products that includes home insurance. This name like Brian McGurgan insurance has earned a well deserved reputation of a  trusted insurance provider. Established in 1977 with its headquarters in Country Down plus other regional offices throughout the North. Like other NI brokers, Hughes has earned a reputation by listening to its customer base and offering its customers flexible policies, tailored to the needs of the customer. 

Features of Hughes Home Insurance

The building's element may include damage by fire, vandalism, storm damage, Subsidence cover, escape of water, alternative accommodation, replacement of locks and more, these are detailed further in the policy documents. The content's policy may include cover for a range of possessions that may include items left in the garage or out in the open, food if the freezer and other high value  items. 

As with all insurance policies, limits and exclusions will apply, so do check these to understand these or to negotiate different limits in advance if taking out your home insurance policy.

Policy excess information

An excess is the amount that you pay on any claim, with Hughes home insurance there are 4 levels of excess.

  • Compulsory excess – this is the standard excess, which is applied to all claims, except subsidence and escape or water, which carry their own compulsory excesses.
  • Voluntary excess – this enables you to increase the compulsory excess. You can select a voluntary excess when setting up your policy, which helps to reduce the premium.
  • Subsidence excess – required when making a claim for property subsidence.
  • Escape of water excess – to be paid in the event of a claim relating to water escaping from a fixed water source, drainage or heating installation. It also applies to water escaping from a washing machine, dishwasher, fridge freezer, water bed or even a fish tank.

Services offered by this provider may change over time. Always check Ts&Cs.

*51% of consumers could save up to £102.62 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 November  2021. The savings you could achieve are dependent on your individual circumstances. 

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