Home Insurance

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  • Storm and flood cover
  • Replacement locks cover
  • Theft or attempted theft
Phone 028 9182 9301 Retrieve a quote Renew my policy Benefits listed apply to our standard buildings and contents policy wording. Benefits vary depending on the type of cover selected. As with all insurance policies some exclusions apply. View our policy wording for full details.

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  • Features
  • Product Information
  • More Help

FeaturesϮ

Standard home insurance cover

Our standard buildings and contents insurance provides cover for loss or damage to your home or possessions, some examples include, fire, theft and storm.

An element of accidental damage cover is included for items such as televisions, computers, and audio and video equipment.

Full accidental damage cover

In addition to the accidental damage cover included in our standard policy, you have the option of paying for full accidental damage cover which would provide cover for damage to iPads/Tablets etc within the home. Speak to an advisor today for more details.

Explore the features of our home insurance below.

Buildings

Storm and flood cover

Escape of water

Malicious acts and vandalism

Subsidence cover

Loss of rent & alternative accommodation

Accidental breakage to fixed glass and double glazing

Replacement locks cover

Tracing & accessing leaks

Family legal protection

Home start assistance

Contents

Alternative accommodation

Contents in garage up to £3,000

Contents in the open up to £1,000

Contents temporarily removed from the home

Freezer contents cover

Wedding and special events uplift cover

Stolen credit card cover up to £5,000

Occupiers liability up to £2,000,000

Family legal protection

Homestart assistance

Money Cover up to £500

Cover for escape of oil

You can find full details about our home insurance in our policy document. This includes information on the claims procedure, exclusions and how to cancel your policy.

Policy excess information

An excess is the amount of money you pay towards making a claim. There are four types 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 is paid on top of a 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 the subsidence of your property.
  • 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 fish tank.

Our Help Centre contains lots of useful and practical support when it comes to insurance - including what to do in the event of flooding and how to calculate your contents cover.

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028 9104 2042

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Our phone line opening times are:

Monday to Friday
09:00 - 17:00

Saturday
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Sunday
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ϮFeatures vary depending on the level of cover you have selected. As with all insurance policies, terms, limits and exclusions apply.

Call for a Quote:
028 9182 9235


Why choose Hughes Insurance?

  • Based in Northern Ireland
  • Local call centre staff
  • Almost 40 years of experience
  • Straightforward, reliable & competitive insurance

We’re one of Northern Ireland’s best-known names in insurance.

The business was originally established in 1977, and since then we’ve earned a reputation as a reliable and trusted expert in insurance. We’re passionate about protecting the things that matter most to you – whether that’s your car, home, holiday or business.

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