Compare home insurance NI and find the best product for you. However, it is important to remember that when comparing you need to look at the features included and not just the price.

Comparison sites in particular are a race to the bottom in terms of price and so it is difficult to establish what a good price might be hiding – like high excesses, exclusions that make it harder to claim or common aspects of cover missing entirely.

Sometimes the best way to get the best deal on insurance is to contact insurers directly.

At Emerald Life we keep our best deals for customers who come direct. We’re not even on a lot of comparison sites because of the costs involved. Instead we prefer to pass on those savings to you. So if you’re looking to compare home insurance NI then get a fast online quote from us now.

Why Is Home Insurance NI Different?

Like car insurance, finding home insurance in Northern Ireland is challenging. Certainly, insurance companies are more willing to sell coverage in the rest of the UK, making it easier for customers in other parts of the country to buy a policy.  

So, why is it harder to get home insurance in Northern Ireland? Well, there are a variety of reasons that contribute to the situation, but there is one that stands out as unfair to clients. Specifically, Northern Ireland and especially Ulster have a bad reputation for higher claims frequency and loss ratios.  

It’s a reputation that also extends to car insurance and means insurers hesitate to offer coverage. Whether Northern Ireland deserves this stigma or not is open for debate (we think not), but for customers it can mean paying over the odds for home insurance.  

Of course, reduced availability means insurance rates in Northern Ireland can be high. Still, it remains important to properly protect your home in case the worst happens.  

Certainly, there are other places in the UK that also have high claims ratios and losses, but Northern Ireland is near the top of the list. As a result, when you compare home insurance NI many insurers shun the NI market and there is a lack of competition compared to other areas of the country. That’s why Emerald Life provides coverage to customers in Northern Ireland, ensuring they get competitive premiums. 

How Do Comparison Sites Work?

Customers increasingly value online insurance comparison tools because they can help them get the best deal. That said, it is worth noting these websites are not a guarantee. What they do well is force insurers to compete for the best prices and make those rates easily accessible to customers – and often a low price means worse cover.  

When visiting an insurance comparison site, homeowners can enter some basic details about themselves and the type of coverage they need. Algorithms automatically create a list of quotes from insurance providers. This whole process takes minutes and gives customers an overview of available policies and prices.  

A useful tool, but comparison sites are not a magic ticket to cheap insurance. Indeed, there are some important caveats worth considering when using an insurance quote engine.  

Firstly, many customers fall into the trap of believing the cheapest quote is best. Comparison sites can be a race to the bottom and will surface results based on the most affordable premium. For home insurance customers in NI, it is critical to remember the least expensive insurance policy may not always be the best value when you are looking to compare home insurance NI.

In fact, cheap insurance rates usually come with some significant compromises, such as high excess, inadequate coverage, and additional costs.  

Those extra costs come when you contact an insurer. Often, comparison tools are an intermediatory that connect you with a provider, they will not be selling you insurance directly. When you contact an insurer to complete a purchase, the provider will probably look to offer you additional coverage.  

Whether you need these add-on benefits will depend on your circumstances, but when to compare home insurance NI it means the original cheap quote may not always be what it seems. Moreover, comparison websites are not the best place to shop for complex home insurance. When you need wider protection, it is always best to talk directly with an insurer or broker for expert advice.

What To Look For

Buildings Cover

In worst-case scenarios, your home or parts of it could be destroyed and will need to be rebuilt. Building insurance is a safety net that makes sure you are not on the hook if this happens. When buying home insurance, the provider will calculate building insurance based on criteria such as the size of house, its value, where you live, and inflation.  

Contents Cover

As the name suggests, this coverage will protect you from the loss or damage of contents in your house. Many homeowners underestimate the value of their belongings. Think about everything you own and do a quick calculation about how much it would cost to replace the items. Not their current second-hand value, but how much it would take to replace them as new. It does not take long for the costs to skyrocket.  

In other words, you don’t want to pay out of your own pocket to replace stolen, damaged or destroyed belongings. For more valuable items (eg. like watches, jewellery, laptops), consider insuring them specifically for personal possessions cover away from home.


One of the biggest mistakes consumers make when buying any form of insurance is not reading their policy properly. If you are not sure what your policy covers, you could be in for a rude awakening if you need to claim. One area that regularly catches homeowners is exclusions.  

In essence, exclusions are clauses in your insurance policy that emphasize which items your insurance does not cover, and which events. Some common exclusions include poor maintenance, wear and tear, negligence, wrong security information, non-disclosure of building work, being on holiday longer than the limit in a policy, and perimeter structures like gates and fences.  

If you are unsure what exclusions are on your policy, read the fine print or contact your insurer when you are looking to compare home insurance NI.


Excess payments are common, but many people do not properly understand them and how they can affect rates. Whenever you claim, the excess payment is the amount you contribute before the insurer will pay the remaining cost. Some policies – especially the cheapest options – will have a compulsory excess, while others will have a voluntary excess.  

Customers can choose the level of excess in the form of a percentage or an amount. For example, if you claim for a stolen TV worth £1,000 and have a 10% excess, you must pay £100 before the insurer will pay out. Or if you have a fixed amount of £200, you would pay £200 towards the £1,000 claim.

Article: Compare Home Insurance NI.