When comparing home insurance in Belfast, check whether you need buildings cover, contents cover, or both, and make sure the buildings sum insured reflects the property's rebuild cost rather than its market value. Consider local risks such as flooding, storm damage and subsidence, particularly if the property is near the River Lagan or on exposed ground, and check any exclusions carefully. Declare features such as a flat roof, listed status, previous claims or periods when the home is unoccupied, as these can affect availability and price. Compare the policy wording, excesses and FCA-authorised providers rather than choosing on price alone.