Hughes Home Insurance Review 2026
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Hughes Home Insurance NI
All residents of NI have heard of Hughes insurance. Hughes Northern Ireland offer a wide range of products that includes home insurance. This name like Brian McGurgan insurance has earned a well deserved reputation as a trusted insurance provider. Established in 1977 with its headquarters in Country Down plus other regional offices throughout the North. Like other NI brokers, Hughes has earned a reputation by listening to its customer base and offering its customers flexible policies, tailored to the needs of the customer.
Key Features of Hughes Home Insurance
The building’s element may include damage by fire, vandalism, storm damage, Subsidence cover, escape of water, alternative accommodation, replacement of locks and more, these are detailed further in the policy documents. The content’s policy may include cover for a range of possessions that may include items left in the garage or out in the open, food if the freezer and other high value items.
As with all insurance policies, limits and exclusions will apply, so do check these to understand these or to negotiate different limits in advance if taking out your home insurance policy.
Understanding your Policy Excess
An excess is the amount that you pay on any claim, with Hughes home insurance there are 4 levels of excess.
| Excess Type | Description |
|---|---|
| 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 enables you to increase the 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 property subsidence. |
| 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 even a fish tank. |
Home Insurance Providers
Most if not all high street and web based insurance companies will offer home insurance, we have listed some of the better known providers below.
- Abbey Home Insurance
- Tesco bank Home Insurance
- ASDA Home Insurance
- Sainsbury Home Insurance
- Elephant Home Insurance
- Hughes Home Insurance
- The Co Op Home Insurance
*51% of consumers could save £241.88 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025. The savings you could achieve are dependent on your individual circumstances.
OneClick Insure Does not recommend any insurance company. Services offered by this provider may change over time. Always check Ts&Cs. The information contained on this webpage is for editorial purposes only and not intended as financial advice