Today's Call Centre Opening Hours:


Call Us

Home Insurance

Protecting what matters most.

check-list  Storm and flood cover

check-list  Replacement locks cover

check-list  Theft or attempted theft

Benefits listed apply to our standard buildings and contents policy wording. Benefits vary depending on the type of cover selected.  View our policy wording for full details.

02891829301 Renew My Policy

Home Insurance

Protecting what matters most.

check-list  Storm and flood cover

check-list  Replacement locks cover

check-list  Theft or attempted theft

Benefits listed apply to our standard buildings and contents policy wording. Benefits vary depending on the type of cover selected.  View our policy wording for full details.

02891 829301 Renew My Policy

Trustpilot

Key Policy Features

With a Buildings & Contents Policy, you’ll be protecting what matters most. Here are a few of the key features you’ll be covered for. ⓘ

Icon of keys representing property access.

Alternative accommodation

Cover for the cost of accommodation if your home is extensively damaged.

Weather-related insurance protection icon.

Storm and flood cover

Protection in the event of loss or damage caused by storm, flood or weight of snow.

Freezer protection insurance icon.

Freezer contents cover

Covers the cost of the food in your freezer if it fails or defrosts.

Family protection insurance icon.

Family Legal protection

Assistance with legal claims as part of your Home Insurance policy.

View all features

Features ⓘ

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 items such as iPads/Tablets within the home. Speak to an advisor today for more details.

Explore the features of our home insurance below.

Buildings Contents
Storm and flood cover Alternative accommodation
Escape of water Contents in garage
Malicious acts and vandalism Contents in the open
Subsidence cover Contents temporarily removed from the home
Loss of rent & alternative accommodation Freezer contents cover
Accidental breakage to fixed glass and double glazing Weddings and special events uplift cover
Replacement locks cover Stolen credit card cover
Tracing and accessing leaks Occupiers' liability
Family legal protection Family legal protection
Home start assistance Homestart assistance
Theft or attempted theft Money cover
Cover for escape of oil Accidental breakage of mirrors or glass forming part of your furniture and audio-visual equipment

ⓘ Features and benefits vary depending on the level of cover selected. 

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 and accessing leaks
Family legal protection
Home start assistance
Theft or attempted theft
Cover for escape of oil
Alternative accommodation
Contents in garage
Contents in the open
Contents temporarily removed from the home
Freezer contents cover
Wedding and special events uplift cover
Stolen credit card cover
Occupiers' liability
Family legal protection
Homestart assistance
Money cover
Accidental breakage of mirrors or glass forming part of your furniture and audio-visual equipment

ⓘ  Features and benefits vary depending on the level of cover selected. As with all insurance policies, terms, limits and exclusions apply.

Does our cover look like a good fit?

Phone 028 9182 9301

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

Policy excess information

An excess is the amount of money you pay towards making a claim. Details of your excess will be included in your document pack. 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 home insurance - including what to do if you need to make a claim.

Call Us on 028 9104 2042. Our phone line opening times are:

Monday to Friday
09:00 - 17:00

Saturday
09:00 - 13:00

Sunday
Closed

Why Choose Hughes Insurance?

check-list  Based in Northern Ireland

check-list  Local experts to support you

check-list  Over 45 years of experience

check-list  Straightforward, reliable & competitive insurance

028 9104 2042

Average score from surveyed repondents over last 12 months

What our customers are saying...

   

“Advisor took great time to look at my insurance renewal, talked through all options and got me the best deal to suit my circumstances. Really appreciated the callback with the updated info and the friendly nature of all calls.”

James Stewart

   

“Hughes have been fantastic, level of communication and emails straight away. Very happy customer – higher standard. Competitive rates. Couldn’t recommend Hughes highly enough!”

Car Insurance Customer

   

“The person I spoke to on the phone was very friendly and helpful. They answered the call quickly and I got a really competitive quote from Hughes straight away.”

Sarah, Car Insurance Customer

   

“I recently bought car insurance from Hughes and found the process very straightforward. The salesperson on the phone was able to answer the few questions I had and get to an outcome quite quickly.”

Ben, Car Insurance Customer

You might also be interested in...

Business insurance icon featuring a car.

Car Insurance

Get a Quote

More Info

Travel insurance icon featuring suitcases.

Travel Insurance

Get a Quote

More Info

Business insurance icon featuring a car.

Young Drivers Insurance

Get a Quote

More Info

Frequently Asked Questions

You can find information on your policy in the Customer Centre and lots of other information in the Help Centre. 

How do I know how much to insure my buildings and/or contents for?

Your buildings and/or contents can make up part of your largest assets, therefore, it is important to make sure they are adequately insured.

Underinsurance can occur when the amount you are insured for is not enough to cover the cost of repairing, rebuilding or replacing the items covered and can lead to claims not being fully paid.

Your buildings cover will affect all permanently fixed items within the boundaries of your home including patios, garages, windows, kitchens and bathrooms. When considering this re-instatement figure keep in mind labour costs and the price of building materials also. If you are unsure of your rebuild cost you can visit the BCIS website: https://abi.bcis.co.uk/

 Which will help guide you using their online calculator.

Your contents are everything you can remove from your house; imagine tipping your house upside down and consider all the items that would fall out. It can be helpful to total your contents up by room to get your total value. Don’t forget your contents will include everything from your sofa, TV, electricals to your cutlery, linen and clothing. Be sure to consider all valuables and ensure you have adequate cover for them also.

Personal possessions cover is additional cover you can purchase on your home insurance which allows you to extend cover for items away from the home. For example, laptops, cameras, jewellery and watches. Please check the total value of items you wish to take away from the home at one time and ensure that one single item is not over the single article limit (this varies per insurer). If you have an item which is over the single article limit, don’t worry, we can specify that for you and you will see it listed separately on your insurance documents.

In the UK, home insurance is not a legal requirement, however if you have a mortgage your lender will likely insist on you having buildings insurance to protect their financial interest.

Building insurance covers the physical structure of your home, including fixed features like kitchens and bathrooms. Even if you fully own your home, it's still advisable that you take buildings and contents insurance to provide financial protection in the event of unforeseen events.

Since holiday homes are often unoccupied for extended periods, there is higher risk of theft or burst pipes. Hughes Insurance can offer a holiday home insurance policy.

Yes, you can insure an unoccupied home, but it's important to know that standard home insurance policies may not provide coverage if the property is vacant for more than 60 consecutive days. Unoccupied home insurance is specifically designed to cover properties that are empty for extended periods, whether due to renovation, sale, or the owner living elsewhere.

Home insurance is important for safeguarding one of your most valuable assets—your home. It provides financial protection against unexpected events such as fire or theft.

Every homeowner should consider having home insurance to protect their investment. Home insurance is important for covering the costs of repairs or replacements in the event of damage or loss; and it's not just for homeowners; tenants can also benefit from contents insurance to protect their personal belongings. Landlords may also opt for specialised landlord insurance to cover their rental properties against risks like tenant damage or loss of rental income.

Yes, mobile phones can be covered within the home as part of contents insurance.

The insurer won’t ask you to have any fire alarms in particular. While having a smoke and heat detector installed in your property is not always a legal requirement, it is highly recommended for safety reasons. These devices can alert you to potential fires, allowing you to take swift action to protect your family and property.

Here are several factors that influence the calculation of your home insurance premium.

  • Location - The area where you reside plays a crucial role, as some locations are more susceptible to severe weather, crime, and other elements that can affect your premium.

  • Personal history - Have you made previous claims? They will evaluate your claims history when determining your insurance rate.

  • Type of property - The materials used in constructing your home and the type of building can impact the cost. Homes with numerous rooms and high-end materials will generally be more expensive to rebuild or repair, which is reflected in your premium.

  • Security measures - Implementing additional security features can potentially lower your premium.

  • Flood risk - If your home is vulnerable to extreme weather events like flooding, this may influence the cost of your insurance.

  • Coverage level - Opting for more comprehensive coverage, will increase your premium but also provide broader protection.

  • Taxes and government regulations - The Insurance Premium Tax (IPT) is applied to insurance policies. Any adjustments to IPT or other government regulations can affect your premium.