Home insurance in Northern Ireland
Insurers set home insurance prices using factors such as where you live, the rebuild cost, the value of your contents, your claims history and your security. (MoneyHelper) Here is how Northern Ireland compares on the public figures linked to home insurance claims.
At a glance
Northern Ireland recorded 2.5 burglaries per 1,000 households (12 months to August 2026).
The local figures
Burglary
2.5 per 1,000 households
Burglaries recorded by the police. Theft is one of the main contents claims. Residential burglary recorded by the police, per 1,000 households (Census 2021). Figures from April 2026 are provisional. Compare only with other areas in Northern Ireland.
12 months to August 2026 · PSNI: Police Recorded Crime statistics, period ending 31 August 2026
Average house price
£202,487
Market value, not rebuild cost. Buildings insurance is based on what it would cost to rebuild, which can be very different. Northern Ireland council figures are quarterly. Mix-adjusted average price. Contains HM Land Registry data © Crown copyright and database right 2026, licensed under the Open Government Licence v3.0.
April to June 2026 · HM Land Registry: UK House Price Index, July 2026
Homes that are flats
10.0%
From the census. In a flat, buildings insurance is often arranged for the whole building rather than by each owner, so check who arranges yours.
Census 2021 · NISRA: Census 2021, MS-E06 Accommodation type
What this means for your premium
These figures describe the area, not your home. Insurers use their own data and look at your property in far more detail than a council area, so two homes on the same street can be priced very differently. A higher local burglary rate or flood exposure doesn't mean your premium will be higher; it shows the kind of claims insurers in this area have to cover.
What you can control: your locks and alarm, an accurate rebuild cost for buildings cover, an honest value for your contents, and telling your insurer about anything that changes, such as building work or the home being left empty.
Our home insurance guide explains each factor.
Council areas in Northern Ireland
| Area | Burglary per 1,000 households | Average house price £ | Homes that are flats % |
|---|---|---|---|
| Belfast | 4.1 | £184,768 | 19.7% |
| Newry, Mourne and Down | 2.9 | £220,572 | 6.2% |
| Derry City and Strabane | 2.6 | £189,474 | 9.7% |
| Mid and East Antrim | 2.4 | £177,450 | 9.9% |
| Lisburn and Castlereagh | 2.3 | £240,737 | 9.1% |
| Antrim and Newtownabbey | 2.1 | £206,120 | 10.4% |
| Armagh City, Banbridge and Craigavon | 2.1 | £186,993 | 5.3% |
| Causeway Coast and Glens | 2.0 | £218,871 | 6.6% |
| Fermanagh and Omagh | 1.6 | £201,732 | 4.9% |
| Mid Ulster | 1.4 | £195,453 | 4.4% |
| Ards and North Down | 1.2 | £227,275 | 10.6% |
Sources and method
- PSNI: Police Recorded Crime statistics, period ending 31 August 2026 OGL v3.0
- HM Land Registry: UK House Price Index, July 2026 OGL v3.0
- NISRA: Census 2021, MS-E06 Accommodation type OGL v3.0
- MoneyHelper: Home insurance, how to get the best deal
Rates are worked out from the published counts and the area's population. Areas are council areas as defined by the Office for National Statistics. Boundaries: Office for National Statistics, licensed under the Open Government Licence v3.0. Contains OS data © Crown copyright and database right 2026. How we work.