Home Insurance Northern Ireland
Reliable Protection for Your Home
Looking for home insurance in Northern Ireland? Dolmen Insurance helps homeowners, landlords and property owners compare cover from a panel of trusted insurers, making it easier to protect the place that matters most.
Whether you’re insuring your family home, apartment, rental property or holiday home, our experienced advisers will explain your options clearly and help you find cover that suits both your property and your budget.
With more than 25 years’ experience helping customers across Ireland, Dolmen Insurance is proud to provide trusted advice, competitive quotations and ongoing support for customers throughout Northern Ireland.
Home Insurance for Northern Ireland Homes
Your home is one of your most valuable assets. Having the right insurance in place can help protect your property and belongings against unexpected events, while giving you greater peace of mind.
We can arrange cover for a wide range of property types, including:
- Family homes
- Detached, semi-detached and terraced houses
- Bungalows and rural properties
- Apartments and flats
- Rental and investment properties
- Holiday homes
- Properties undergoing renovation (subject to insurer acceptance)
- Unoccupied properties (where available)
Depending on the insurer and policy selected, benefits may include:
- Buildings Insurance
- Contents Insurance
- Combined Buildings & Contents Cover
- Flexible payment options
- Discounts for approved alarms and security features (where applicable)
- Optional accidental damage cover
- Personal possessions cover
- Legal expenses cover
Who Can Help Me Choose Home Insurance?
Choosing home insurance isn’t simply about finding the cheapest premium. It’s about making sure your property is insured correctly and understanding exactly what your policy covers.
Our Personal Lines team will help you:
- Understand the difference between buildings and contents insurance
- Estimate the correct rebuild value for your home
- Explain optional policy features and exclusions
- Compare suitable cover from our panel of insurers
- Make changes to your policy throughout the year
- Receive guidance if you ever need to make a claim
We believe insurance should be straightforward. That’s why you’ll always deal with experienced advisers who are happy to answer your questions in plain English.
Why Choose Dolmen Insurance?
When arranging home insurance, having an experienced broker on your side can make all the difference.
Why customers choose Dolmen:
- Access to a panel of trusted insurers
- Experienced local advisers
- Competitive quotations
- Clear, independent advice
- Ongoing policy support
- Assistance at claims time
We work for you—not the insurer—helping you compare options and make informed decisions about your cover.
Talk to Philip’s Team
Personal Lines TEAM
Why not talk to Philip’s team about your insurance needs? With years of experience in personal lines insurance, Philip is here to make sure you get the right insurance coverage.
Reach out today – Just a call or click away!
Types of Home Insurance We Arrange
Our advisers can arrange cover for a variety of property types, including:
- Buildings & Contents Cover
- Buildings-Only Insurance
- Contents-Only Cover
- Landlord Insurance
- Holiday Home Insurance
- Investment Property Cover
- Unoccupied Property Insurance (subject to insurer acceptance)
- Renovation Insurance (where available)
Our policies typically include protection against:
- Fire
- Theft & attempted theft
- Flood damage (subject to postcode & risk profile)
- Storm damage
- Optional Accidental Damage
NI-Based Support Team
Local advisers in Newry and Camlough who understand NI housing, NI risks, and NI customers.
Tailored Cover Packages
Policies designed around the real needs of Northern Ireland homeowners.
Decades of Industry Experience
Decades of trusted service across Ireland — now expanded for NI customers.
What’s the Difference Between Buildings and Contents Insurance?
Understanding the difference helps ensure you’re properly protected.
Buildings Insurance generally covers the structure of your property, including walls, roof, permanent fixtures and outbuildings, subject to your policy terms.
Contents Insurance helps protect the belongings inside your home, such as furniture, clothing, electronics and personal possessions.
Many homeowners choose combined Buildings and Contents Insurance for more comprehensive protection, while tenants often only require contents cover.
If you’re unsure which option is right for you, our advisers are happy to help.
What Does Home Insurance Typically Cover?
Cover varies depending on the insurer and policy selected, but may include protection against:
- Fire
- Theft and attempted theft
- Storm damage
- Escape of water
- Flood damage (subject to underwriting and property location)
- Subsidence (where included)
- Accidental damage (optional on many policies)
- Alternative accommodation following an insured event (where applicable)
We’ll explain exactly what’s included before you purchase your policy.
What Affects the Cost of Home Insurance?
Your premium can depend on several factors, including:
- Property location
- Property type and age
- Rebuild cost
- Claims history
- Security features
- Occupancy
- Level of cover selected
- Optional extras
- Sum insured
Comparing quotes from multiple insurers can often help you find cover that offers the right balance between protection and value.
Home Insurance Northern Ireland – FAQs
1. What does home insurance cover?
Cover varies by insurer and policy but may include protection against fire, theft, storm damage, escape of water and other insured events. We’ll explain your options before you choose a policy.
2. Do I need buildings insurance, contents insurance or both?
Homeowners often choose both buildings and contents cover, while tenants generally only require contents insurance. We’ll help you determine what’s appropriate for your circumstances.
3. What is rebuild value?
Rebuild value is the estimated cost of rebuilding your property from the ground up if it were completely destroyed. This is different from your home’s market value and is important when arranging buildings insurance.
4. Can I insure a rental property?
Yes. We can arrange landlord insurance for many rental and investment properties throughout Northern Ireland.
5. Can I get insurance while renovating my home?
Depending on the nature of the work, specialist cover may be available. Speak to our team to discuss your project.
6. Is flood cover available?
Flood cover may be available depending on the property’s location, flood history and the insurer’s underwriting criteria.
7. Can I add accidental damage cover?
Many insurers offer accidental damage as an optional extra. We’ll explain what’s available for your chosen policy.
8. How do I get a home insurance quote?
Simply complete our enquiry form or contact our team directly. We’ll discuss your requirements and compare suitable options from our panel of insurers.
Get Insured Sorted Covered
Home Insurance You Can Rely On
To get Home Insurance today, simply fill in the short form here and a member of our team will be in touch with you shortly or click the button below
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