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Contents insurance NI

For those living in Northern Ireland seeking a good deal on contents insurance is where comparison sites like Apricot Insurance can help. Save time and money whether you own a property, or rent, knowing that your belongings are covered is crucial. Below, we’ve compiled the most important information you need to know when searching for your contents insurance.

What does contents insurance cover? 

Your home contents insurance protects you from loss, theft, and damage to your belongings. It can also cover you when you take your items on holiday, or just out of the house. If you live with close family members, your household belongings are also fully protected.

How much is contents insurance in NI? 

The average premium for home insurance in Northern Ireland is £171, which is 30% higher than the national average, but there are still savings to be made.

How do I estimate the value of my home contents? 

Those who want to assess the cost of their home contents should:

• Make a list of everything you own from room to room.
• Calculate how much each possession is worth.
• Get an up-to-date valuation of jewellery, antiques, and other high-value items.
• Add the costs up for a total value figure.

Is contents insurance worth it? 

If you want to protect your belongings against fire, theft, and other risks, like accidental damage, it is a good idea to purchase home contents insurance. It can be very expensive to replace your possessions if they are destroyed or damaged. Some of these items may be very vital.

Is home contents insurance a necessity for everyone?

Renters need to get homeowners insurance if they want to safeguard their belongings. It is unlikely that your landlord’s contents coverage would cover your property inside his/her home. 

Is flooring covered under contents insurance?

The floor, roof, windows and walls of your property are covered by buildings insurance, while the furniture, appliances and decorative items are covered by contents insurance. Laminate flooring is likely to be included in the building policy, but you’ll need to check for sure.

Are kitchen appliances covered by contents insurance?

A buildings insurance policy would cover fitted appliances such as refrigerators, freezers, washing machines, dishwashers, and so on. Freestanding appliances, on the other hand, would fall under contents insurance.

Does contents insurance cover water leaks?

Some insurance policies cover water leaks and others do not. In some cases, companies may pay for the cost of removing a part of your building to find the source of a leak, but they won’t pay for the cost of repairing your property once the leak has been repaired.

Does contents insurance cover mobile phones?

As with many personal belongings or valuables, your mobile phone is covered by contents insurance when it is in your home. Therefore, you should also consider buying mobile phone insurance if you wish to protect your phone fully. 

Is accidental damage covered under contents insurance? 

Contents insurance covers household goods, valuables, and personal belongings, but accidental damage coverage is rarely included, so you need to pay for this additional clause.