Allianz Blog Your Home

Protecting Your Home During Christmas

The Christmas season is upon us. For many of us our homes will be transformed into Winter Wonder Lands, while all these decorations look amazing they can be potentially dangerous. Our Head of Risk Survey, James Gleeson, sets out some simple practical tips and advice to ensure your home is safe and sound this festive season.

Many of our heart-warming Christmas traditions can pose risks of fire, electrocution or other injury if used improperly or carelessly. Observing the rules of common sense when using these items won’t dampen the holiday spirit, if anything, it will ensure that the magic remains from start to finish.

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What is “All Risks” Cover?

All Risks is an optional extension of cover under your Home Insurance policy which protects you against loss or theft of, or accidental damage to, personal valuables. These could include jewellery, clothing, photographic or sports equipment to name but a few. This cover is for 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

This 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 i...

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Securing your Holiday Home for the Winter

With the winter months approaching holiday homes across Ireland will be left unoccupied. If the correct precautions are taken you could ensure that your holiday home is protected while you are away. Here are some useful tips for protecting your holiday home during this time:

Lock up

This is probably the easiest and most obvious step on this list. While your holiday home insurance may cover the financial loss you suffer as a result of a break-in, nothing could protect you from the emotional trauma and shock suffered if your holiday home is broken into. You wouldn’t leave your permanent home unlocked so why should your ho...

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Top 5 Home Insurance Claims

Here at Allianz we deal with our customer’s home insurance claims every day. These range from relatively minor claims like Accidental Damage which is an optional extension of cover, right through to much larger claims following fire or flood damage.

1. Water Damage

Water Damage was the biggest category in 2016 accounting for 28% of all household insurance claims.

The most common Water Damage or ‘Escape of Water’ claims arise from pipes (e.g. underfloor pipes, radiators, or leaks from overflow pipes in the attic). A common query is that of Escape of Water from bath and showers. We don’t cover loss or damage where water le...

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Keeping Your Home Safe While You Are on Holiday

When you leave you home, whether it is for a quick weekend getaway or a 3 month exploration, you should always take some basic safety precautions to keep your home as safe as possible. Here are some steps you should take before leaving home on any trip.

Make Your Home Appear Occupied

There are a number of ways to make your home appear occupied while you are away. One of the simplest is to leave a key with a trusted neighbour. They could make sure grass stays cut or periodically turn on and off different lights around the house. Very little says that a house is empty more than darkness. A house remaining in complete dark...

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Contents Insurance Explained

Home insurance is there to cover you for unexpected and unforeseen circumstances. When we talk about home insurance, we’re not just talking about the house itself - we’re also concerned with the items inside that make it a home, if you choose to insure them.

Contents insurance covers the items in your home as distinct from the actual building itself. With Allianz you can choose:

  • a combined policy with buildings and contents cover;
  • buildings only cover; or
  • contents only cover.

This blog post explains the ins and outs of contents insurance by answering some common questions we get in relation to this topic.

What’s covered?

Con...

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