Home Insurance FAQs
Please note: Our home insurance policy document is available at the bottom of the page for you to download.
- Household Policy Cover
What does my Household policy cover?
Your Household policy will protect you from many natural, accidental or malicious events . Here is an overview of some of the situations covered by our Household policy:
- Loss or damage by fire, theft, flood, explosion, storm, and lightning
- Loss or damage by smoke if there is faulty operation of any oil, gas, electric domestic heaters or domestic cooking appliances within the buildings
- Loss or damage due to the escape of water from within any plumbing or heating system, fixed water appliance or domestic appliance
- Accidental damage to audio and audio-visual equipment up to the value of €1300
- Loss or damage caused by vandalism or malicious damage
For full details of covers, exclusions, terms, conditions and limitations please refer to the Household Policy document.
- Types of Properties
What types of properties can I insure with Allianz?
We provide cover for properties occupied as family homes, holiday homes or which are let to tenants.
- Value of Buildings and Contents
How much should I insure my buildings for?
Your buildings should be insured for its reinstatement value, including the cost of professional fees and site clearance. You can obtain guidance on reinstatement value on https://www.scsi.ie/
How much should I be insuring my contents for?
Your contents should be based on the cost of replacing the contents ‘as new’at today's prices, and should cover everything that you would take with you if you moved house. The contents should cover all items within the home and domestic outbuildings. If cover is needed for items away from the home e.g. jewellery, All Risks cover must be selected. Refer to the All Risks Cover section of the Household Policy document for full details and the section on what is “All Risks” cover below.
What happens if I underinsure my home?
The Average Clause applies to our household policies. This means that if the sum insured at the time of the loss is less than the insurable value of the buildings or contents the amount claimed under the policy may be reduced in proportion to the underinsurance.
- Buildings and Contents Insurance
What is classed as buildings and contents insurance?
As a guide, Buildings include:
- The structure of your home
- Built-in wardrobes
- Fitted kitchens
- Wooden floors
- Garage and outbuildings
- Walls, gates and fences
As a guide Contents include:
- Household goods
- Furniture and furnishings
- Personal effects
For the full definition of Buildings and Contents please refer to our Household Policy document.
- Policy Excess
What is a house insurance policy excess?
An excess is the first amount of any loss that you are responsible for paying in the event of making a claim. This amount is deducted from the total claim settlement figure.
Our standard excess for household claims is €250. Note that the excess for all freezing, escape or overflow of water from within any plumbing or heating system, fixed water apparatus or fixed domestic appliance claims will be €250 greater than the excess you have selected. The excess for all subsidence or heave of the site on which the private house stands or landslip claims is €650. If you select a higher voluntary excess, you may reduce your premium (applies to most products except for Landlord properties). Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query this amount.
- Garden Equipment and Sheds
Is my garden equipment and sheds covered?
Under the Contents section of your policy, cover is provided for the following types of domestic outbuildings:
- Garden Sheds (used to store fuel, garden implements, children's toys, etc.)
- Boiler Houses
- Stable (used to accommodate 1-2 horses for private use only)
- Green Houses
The following are not classified as Domestic Outbuildings and no cover is provided for:
- Hay Sheds
- Cattle Sheds
- Farm Outbuildings
Under the Contents section of your policy cover is provided for your household goods and personal effects within the domestic outbuildings.
Optional Extensions of Cover
- Accidental Damage Cover
What is accidental damage cover?
Accidental damage cover is for sudden unforeseen damage arising from an incident or action which is not weather related.
For example, spilling paint accidentally on a carpet is covered under the Contents accidental damage extension; putting a foot accidentally through the attic floor is covered under the Buildings accidental damage extension.
Allianz also offers automatic accidental damage cover to audio and audio-visual equipment, such as a TV, for up to €1,300, even if accidental damage on Contents is not selected.
- Contents Away from the Home
Are my contents covered away from my home?
Cover for loss, theft or damage to items away from your home can be added by selecting All Risks cover. Refer to the All Risks Cover section of the Household Policy document for full details and the section on what is All Risks cover below.
Are my valuables covered in my car under my household policy?
If you have All Risks cover on your Home Insurance policy your valuables are covered once your car is securely locked and your valuables are completely concealed within a closed compartment or locked boot.
If your car is parked on your drive the valuables are covered under the ‘Contents in the open’ additional benefit on the policy once your car is securely locked and your valuables are completely concealed within a closed compartment or locked boot.
If your car is garaged then the items are covered under the contents section of the policy.
Does my home insurance cover my possessions when I am holidays?
You have the option to cover loss, theft or accidental damage to your personal possessions while you are away from your home or on holiday. To do this, you must select the All Risks additional cover option when taking out your policy.
Depending on your own particular requirements, you can specifically list your personal possessions which you wish to cover or you can select the total amount of your personal possessions which is to be covered. Personal Possessions which you may want to specifically insure outside your home may include items such as sports equipment, jewellery and other valuables .This type of cover gives you peace of mind when you are away from home knowing that your valuables are covered in the event of an incident which may give rise to you having to make a claim. You can tailor your all risks cover to your specific needs which will allow you to list high value items on your policy. Please also refer to the section on what is All Risks cover below.
Details of covers, exclusions and limitations applicable to personal possessions outside of your property are outlined in the All Risks section of the Household policy document.
- “All Risks” Cover
What is“All Risks”cover?
All Risks cover is an optional extension of cover under your policy which protects you against loss or theft of, or accidental damage to, personal valuables such as jewellery, clothing, photographic equipment etc. both inside and outside your home. It also covers you for items you take abroad for up to 60 days.
There are two types of All Risks cover:
- Specified All Risks Cover: which allows you to list individual items on your policy, and specify their value. Specified items normally include jewellery, hearing aids, bicycles, cameras and other valuables. Each item is covered up to the amount you insure it for.
- Unspecified All Risks Cover: is an umbrella style cover which allows you to select a total amount that your personal effects will be covered for each year. There is no need to list each item individually. This cover is designed for items such as glasses, mobile phones, handbags etc.
Certain limits apply to Unspecified All Risks cover including; €2,000 for any one item, bicycles up to a limit of €320 and personal money up to a limit of €650.
- Caravans & Mobile Homes
Does my home insurance cover a caravan / mobile home?
This cover is an optional extra on the policy. Depending on the circumstances Allianz will provide payment, replacement or repair in case of accidental loss or damage to the Caravan/Mobile home.
Allianz can also cover clothing and personal effects inside the Caravan/Mobile home if you select contents cover as an optional extra. This also includes accessories, furnishings and utensils.
You are covered for loss or damage which occurs during a break-in or an attempted break-in. As long as the Caravan / Mobile home is securely locked and the break-in was not due to carelessness on your behalf.
Allianz will also provide cover for your legal liability to third parties arising out of the ownership / use of the caravan / mobile home.
This cover would apply if you are found legally liable for:
- Accidental damage to property owned by third parties.
- Death, bodily injury or illness caused to third parties .
Details of covers, exclusions and limitations applicable to Caravans/ Mobile Homes are outlined in the Caravan/Mobile Home section of the Household policy document.
Where am I covered if I insure a mobile home / caravan?
Your Caravan/Mobile home is insured anywhere in the Republic of Ireland, Great Britain, Isle of Man, The Channel Islands, including transit between all ports.
Your Caravan/Mobile home is also insured for up to 60 days in any one Period of Insurance (the period shown on your Schedule any subsequent period for which we accept a renewal premium ) while temporarily within the continent of Europe and in your custody or control.
Details of covers, exclusions and limitations applicable to Caravans/ Mobile Homes are outlined in the Caravan/Mobile Home section of the Household policy document.
- Additional Benefits
What additional benefits are covered on my home insurance?
Allianz Household policy provides a wide range of additional benefits. For example:
Alternative accommodation, breakage of glass and sanitary fixings, door lock replacement, fraudulent use of credit cards, paying guests, visitors and guests property.
Please refer to the Household Policy document for details.
- Fire Brigade Charges
Are Fire Brigade charges covered under my house Insurance?
Yes, we will pay the cost of the charges you owe a local authority (as permitted by legislation) for Fire Brigade attendance, as a result of any incident which is insured by your Policy. The maximum amount we will pay is €2,000. Please refer to the Household Policy document for details.
- Paying Guests
Are paying guests covered under my house insurance?
Where you permanently occupy the buildings as your main residence, up to 6 paying guests are covered automatically. Cover can be extended for up to 12 paying guests.
Am I covered to rent a room out?
Where you permanently occupy the buildings as your main residence, your policy automatically provides cover for up to 6 paying guests including lodgers or Bed & Breakfast guests.
Suitable cover can also be arranged for properties let to tenants in one unit or let holiday homes.
- Snow Damage to your Home
Is my house covered for snow damage?
Your policy covers damage to your home caused by the weight of accumulated fallen snow or the sudden movement of same.
Emergency Home Assistance
- No Claims Bonus
If I use the Emergency Home Assistance (EHA), will this affect my no claims bonus protection or premium at renewal stage?
No. Emergency Home Assistance is an additional benefit of your policy which does not affect your no claims bonus or your premium at renewal.
- Maximum Amount Covered
What is the maximum amount covered by EHA for an incident?
EHA covers the call out, labour and materials up to €300 per incident.
- How to Avail?
How do I avail of Emergency Home Assistance?
If you need to avail of Emergency Home Assistance service just call 01 448 48 48, where assistance is available 24/7/365 days a year.
- How often can I use EHA?
I have availed of this service twice already. How many times can I call for assistance?
There is a limit of four assistances per period of Insurance, per policy. If you avail of the service four times but require emergency assistance again we will provide you with a contact number for an authorised contractor which you can discuss the problem with.
- Repair Cost Exceeding €300
What happens if the works that need to be carried out exceed €300?
In the event that the cost of the repair exceeds the maximum amount, you may have to pay the difference. Our provider will make you aware of this and will provide you with the estimate of work, invoices and receipts.
- Broken Window
If my external window is broken can I get the glass replaced?
We consider your needs at all times but if our provider does not have the glass in stock or does not have it in a suitable size, the safest approach we can take is to board up the window to make sure your home is secure.
- Broken Glass
One pane of glass is broken in my triple glazed window. Can you send someone to rectify this issue?
EHA provides assistance for emergencies which leaves your home insecure. As only one pane of glass is broken, this would not classify as insecure. We will provide you with a contact number for one of our authorised contractors which you can discuss the problem with.
- No Electricity
I have no electricity in my home, it seems to be an area wide problem, can I avail of the EHA service?
EHA provides assistance for emergencies relating to the sudden or unexpected breakdown of the electricity supply within your property. Loss as a result of disconnection which is not unique to your property is not covered. As this is an area wide problem, the issue may lie with your electricity supplier and we recommend that you contact your electrical supplier directly.
- Affect on Policy
I recently availed of the EHA service for a leak under my floor. There has been extensive damage caused by the water to my wooden flooring. If I claim for this damage, will this affect my policy in any way?
- Boiler Repairs
Is a boiler repair included in this?
EHA provides assistance for the sudden and unexpected breakdown of your heating supply. We will send out an authorised contractor to aim to carry out emergency repairs to attempt to resolve the issue and restore heating supply.
- Household Liability Cover
What liability cover do I have under my Household policy?
The buildings section of the Household policy provides cover for liability arising out of ownership of the buildings.
The contents section of the Household policy provides cover for liability arising out of:
- Occupancy of the buildings
- Insured's personal capacity
The maximum amount we will pay for these covers is €3,175,000. Please refer to your Household Policy document for details.
Does my home insurance cover workmen?
Domestic employees are covered under the Liability to Domestic Employees section of the policy, however no cover is provided for independent contractors. A domestic employee is defined as an employee of the Household carrying out solely private domestic duties in connection with the Buildings including repair, maintenance or decoration.
Does my home insurance cover visitors?
Liability to others is covered as standard on your policy. Visitors to your home for business purposes are not covered on a standard home policy.
The policy also covers visitor’s and guest’s property up to a maximum of €1,300. Please refer to your Household Policy document for details.
- Household Claims
What should I do in the event of a household claim?
Please visit the following page and select the appropriate circumstance:
- How is my Premium Affected?
How is my premium affected if I make a claim?
If you make a claim your No Claims Bonus will be affected and your renewal premium may increase.
- Flood Prone Areas
My property is in a flood-prone area where the OPW ( Office of Public Works) have implemented flood defences, how should I proceed to get a quote?
If your property is in a flood-prone area protected by fully completed OPW flood defences and you wish to obtain a quote for your home insurance simply contact us at 01 448 48 48.
- Personal Possessions
What are personal possessions?
Personal possessions are articles normally worn or carried on the person.
- Premium Reductions
How can I avail of premium reductions on my household policy?
You could reduce your premium by having a working burglar alarm installed or opting for an increased voluntary excess.
- Unoccupied Property
Is my property covered if it is not occupied?
Property is considered unoccupied if it is not lived in on a permanent full-time basis by the members of your household or any other person authorized by you.
If your property becomes or is likely to become unoccupied, please advise Allianz of this change, as this information may affect your insurance.
Where a property is unoccupied for more then 35 consecutive days some covers are automatically excluded. Please refer to your Household Policy document for details. Different conditions apply for Holiday Homes. Please refer to the Endorsements section of the Household Policy document for more details.