Get the best coverage for your home
Whether you live in a detached house or an apartment, you can rest assured that Dickson Group can provide a buildings policy that offers comprehensive cover for your home. Whether it’s fire damage to your home, natural disaster or weather-related accidents, or a break-in, vandalism or malicious damage, we’ve got your home covered. And if you want to include cover for Contents too, then just ask!
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Top policy features
Accidental Damage
Protection against accidental damage to the structure, such as a broken window or damaged roof, or a foot through a ceiling!
Trace and Access cover
Cover for identifying the source of an oil or water leak, and making good the damage caused by it.
Alternative Accommodation
Covers the cost of temporary accommodation if your home becomes uninhabitable due to an insured event
Property Owners' Liability
Protects you against legal liability if someone is injured on your property or if you accidentally damage someone else's property
What we cover
Here’s a breakdown of what our policies offer for Building and Contents cover.
| Buildings Cover | Available? | Contents Cover | Available? |
|---|---|---|---|
| Storm and flood cover | Alternative accommodation | ||
| Escape of water | Contents in garage | ||
| Malicious acts and vandalism | Contents in the open | ||
| Subsidence cover | Contents temporarily removed from the home | ||
| Loss of rent and alternative accommodation | Freezer contents cover | ||
| Accidental breakage to glass | Weddings and special events uplift cover | ||
| Replacement locks cover | Stolen credit card cover | ||
| Tracing and Access | Occupiers' liability | ||
| Family legal protection | Family legal protection | ||
| Emergency repair cover | Emergency repair cover | ||
| Theft or attempted theft | Money cover | ||
| Cover for escape of oil | Accidental breakage of mirrors or glass |
An explanation of Policy Excesses
Having the right insurance coverage is essential to protect your home and its contents against a variety of risks. There are several types of cover available. Speak to Dickson’s about your requirements.
An explanation of Policy Excesses
Having the right insurance coverage is essential to protect your home and its contents against a variety of risks. There are several types of cover available. Speak to Dickson’s about your requirements.
- Compulsory Excess
- Voluntary Excess
Compulsory Excess
A compulsory excess is a fixed amount set by your insurer that you must pay when you make a claim. This amount is non-negotiable and is determined by the insurer based on various factors, such as the type of coverage and the risk profile of your property. For example, if your compulsory excess is £200 and you make a claim for £1,000, you will receive £800 from your insurer after paying the £200 excess.
Set by the insurer: The amount is predetermined and cannot be changed by the policyholder.
It may vary by claim type: Different types of claims (e.g., subsidence, water damage) may have different compulsory excess amounts
Non-negotiable: You must pay this amount for any claim you make.
Voluntary Excess
A voluntary excess is an amount you choose to pay towards a claim on your household insurance policy, in addition to any compulsory excess set by your insurer. By opting for a higher voluntary excess, you can often reduce your insurance premiums, as it means the insurer has to pay out less in the event of a claim.
For example, if your policy has a compulsory excess of £250 and you choose a voluntary excess of £150, then your total excess would be £400, which is the amount you would need to contribute towards any claim.
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Comprehensive Car Insurance
This includes TPF+T cover, plus any other accidental damage caused to your own vehicle.
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Third Party, Fire and Theft (TPF+T) Car Insurance
This cover includes TPO cover, plus loss or damage if your car is stolen or damaged in a fire.
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Third Party Only (TPO) Car Insurance
Third Party insurance cover is the minimum legal level of cover needed to drive a car. If you cause damage to someone else's property or injure them while driving, that person will receive appropriate compensation.
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Other covers
We can also offer some great benefits alongside our policies such as Legal cover, Accident & Breakdown cover, Excess Protect and Key Protect. We also offer a free 24-hour claims helpline to all of our policyholders to ensure you have someone to help you when you most need it.
OUR PROMISE
Your home is unique to you. That’s why we’ll work hard to personalise your policy.
Whether it's a manor house or maisonette, we deal with a broad range of insurers so that we can tailor-make policy cover that's it's perfect for you and your home.
Tailor your policy
- Accidental Damage
- Trace and Access cover
- Replacement as New
- Worldwide Cover for Contents
- Home Emergency cover
- Fine art of other collectibles
- Automatic increased cover for Christmas presents
YourHome Insurance Plan
- Contents Cover
- Home Emergency
- Trace and Access
Don’t just take our word for it
I have dealt with the staff in your Newry office for a long time and the service I receive from them is second to none.
GP, Newry
Keep up the good work.
JO’S, Fintona
Totally satisfied with everything.
KL, Cookstown
I am very satisfied with your service – I have used this brokerage for nearly 25 years and recommended you to family and friends
MC, Limavady
Great customer service.
TM, Dungannon
Support information
In the event of significant damage to your home, the Dickson team are here to help. Your cover can be tailored to ensure you have the best protection in place.
Dedicated Claims Team
Our highly specialised in-house claims team will work on your behalf with insurers, loss adjustors, and suppliers.
Dickson Claims Assist
Your own loss assessor service who will negotiate with insurers on your behalf, help manage the paperwork, and work with contractors to get your home back to normal.
Temporary Accommodation
If you're unable to stay in your home becasue of the damage, your insurer can offer cover to move you and your family and pets into accommodation nearby.
FAQs
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Household insurance, also known as home insurance, is a type of insurance policy that provides financial protection against damage or loss to your home and its contents. It typically covers risks such as fire, theft, vandalism, and certain natural disasters
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Household insurance usually includes two main types of coverage:
Buildings Insurance: Covers the structure of your home, including walls, roof, and permanent fixtures
Contents Insurance: Covers personal belongings inside your home, such as furniture, electronics, and clothing. Some policies also offer additional coverage for valuable items like jewellery and artwork -
The premium for household insurance is calculated based on several factors, including:
Location: Homes in areas with higher crime rates or prone to natural disasters may have higher premiums
Property Value: The value of your home (the ‘sum insured’) and its contents
Security Measures: Homes with security systems, smoke detectors, and other safety features may qualify for lower premiums
Claims History: Have their been any previous claims or damage
Coverage Limits and Deductibles: Higher coverage limits can drive up cost, but can be reduced by a higher excess -
Yes, household insurance policies typically have exclusions. Common exclusions include:
Wear and Tear: Damage due to normal wear and tear or lack of maintenance
Flooding: Some insurers do not cover flood damage in Northern Ireland or apply special terms – speak to us about flood cover in your area
High-Value Items: Items above a certain value may not be fully covered unless specifically listed in the policy.
Acts of War: Damage caused by acts of war or terrorism is usually excluded