Self Build Insurance NI
Compare Self Build Insurance NI Insurance

What is Self Build Insurance NI
If you are lucky enough to own a plot of land with building permission, you will most likely wish to build your home to your exact requirements rather than buying a prebuilt house. Self build houses are a common sight in Northern Ireland with so many open spaces available and easy commutes. A self build is a big investment, and you probably wish to make sure you are covered for any potential loss during the build stage. This type of cover is different to standard home insurance as additional risk needs to be included in the policy. Some of these include:
Self build insurance is different to standard house insurance and is classed a non-standard category of house insurance. The first step in researching the cost of self build house insurance is to get multiple quotes from a range of insurance brokers. Insurance quotes NI works in partnership with Quotezone who provide a simple form which once completed is submitted to a specialist panel of brokers.

How self build insurance is calculated and how to save money on the cost of cover
Factors like location and property security influence the cost of self build Insurance premiums. Consider these tips to lower costs:
Self Build NI Policies Available – Tailored to your requirements
These type of polices are provided by specialist insurance brokers. Each broker can make a policy tailored to your NI self build requirements, for example you may include house contents if nearing completion or if you are simply renovating an existing property,
- Short or long term policies
- New build or renovations
- Cover available for projects that have already started
- Contents Insurance if applicable
Who provides Self Build Insurance
There are several companies that provide self-build insurance. Some of the major providers include:
- Aviva Self build Insurance
- AXA Self build Insurance
- Hiscox Self build Insurance
- NFU Mutual Self build Insurance
- Zurich Self build Insurance
Different Approaches to Self Build
Embarking on a 100% self build whilst rewarding will take time and energy and expertise, and for many one of the options below may be a better solution to achieving the self build goal.
- Kit Home : This is by far the easiest option, you choose a design. The build will be carried out normally off site and then assembled on site by a team of professional builders and engineers.
- Custom Build : In this scenario you outsource the development to a construction company, but you have control over initial design and when it is signed off the construction team will look after the building process.
- Community Self Build : Find a plot of land large enough for multiple properties and a group of people that are like minded in self build goals. The advantage is that as a community you can include amenities, for example a sports hall, a playground or even a shared security monitoring system or security guards, making it a gated community. Sounds perfect, but it is difficult to get right, unless well managed.
The comparison quote service provided by Quotezone is for residential property only, not commercial. When completing the quote form include any information that makes the property non standard for example a thatched roof or a flat roof, a house build using a timber frame.
Are there any additional coverages available?
Providers of self build insurance are able to tailor your policy to meet your special self build project requirements. Examples of additional cover available include :
It is important to shop around and compare quotes from different providers to find the best coverage and price for your self-build project. It is also a good idea to carefully review the policy terms and cover limits to make sure you have the protection you need.
Self build Insurance FAQ Section

- Updated: 13 June 2025
- Reviewed by Eamonn Turley Insurance Expert