Buildings and contents insurance in Belfast can cover the structure of your home and your belongings, but policies differ in areas such as escape of water, storm damage, flooding, subsidence and accidental damage. Check that the buildings sum insured reflects the cost of rebuilding rather than the property’s market value, and make an accurate contents valuation. If your home is in a flood-risk area, is listed, or will be unoccupied, tell the insurer because this may affect available cover and the premium. Compare the policy wording and excesses, and check that any provider is FCA-authorised.