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When everyone has a home

Housing advice for Northern Ireland

Insurance

Insurance costs

Whether you own your home or rent it, you need to have contents insurance. Homeowners will also need to have buildings insurance and may have to have life assurance as part of the conditions of their mortgage. Insurance protects you against risk. In return for this cover, you pay a premium to the insurance company. You can usually pay your premiums in a lump sum or in monthly deduction

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Repair issues for homeowners and leaseholders

You are usually responsible for carrying out any repairs or improvements once you have bought your home. It's very difficult to get grant approval from the Housing Executive to help you with the cost of repairs. These days, this type of grant will only be awarded if the Housing Executive believes the condition of the property is likely to cause a very real and very serious risk to the life of the person living in it.

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Leaseholder repairs

Your lease will outline whether the freeholder has any responsibility for repairs. If you own a leasehold flat the freeholder may be responsible for repairs to the structure of the building, or shared areas. If you own a leasehold house it is unlikely that your freeholder will be responsible for repairs.

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Building guarantees

Many builders provide structural guarantees for the first ten years after you buy your home. If any structural problems develop within that time, you won't have to pay for the repairs.

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Claiming against your insurance

If your home has been damaged your insurance may cover the cost of repairs. Read your policy and make sure that the damage is covered. Your policy documents will tell you what to do if you need to make a claim.

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