Home Insurance Cover
Our great quality, flexible Home Insurance product allows you to combine, or choose between Buildings and Contents cover and select from a range of Optional Extensions to suit your specific needs. See below for a selection of our Standard Features, Optional Extensions of Cover and Additional Benefits.
Please note: Our home insurance policy documents are available at the bottom of the page for you to download.
The features below are available as standard with your policy.
Audio and Audio Visual Equipment
Covered up to €1,300 automatically. Excludes loss or damage to records, audio, video or computer discs, tapes or cassettes, CDs, DVDs, console games, hearing aids and loss or damage caused by pets. Only applicable to Contents cover.
Home Office Equipment
Covered up to €4,000 automatically for personal computers, printers, scanners, etc. Only applicable to Contents cover.
Increased Christmas Time Cover
Contents sum insured increased by 10% in December and January. Only applicable to Contents cover.
Increased Wedding Time Cover
Coverage increased by 10% one month before and after the wedding day of a household member (Date of wedding should be advised). Only applicable to Contents cover.
Covered up to €400 automatically for loss or damage to shopping while it is being transported from place of purchase to your household. Excludes stealing or attempted stealing from any unattended vehicle except in the specific circumstances outlined in the policy document. Only applicable to Contents cover.
Fire Brigade Charges
Covered for any charges incurred up to €2,000 for calling the Fire Brigade to attend your property as a result of an incident which is insured under the policy.
Covered up to €1,300 for loss or damage covered under the policy to visitor's property in your home. Only applicable to Contents cover.
Optional Extensions of Cover
The covers listed below are optional extensions provided at an additional cost*.
Additional cover for accidental damage to premises and/or contents. Subject to the exclusions outlined in the Policy Document.
Personal possessions you would like to specifically insure outside your home such as sports equipment (while not in use), jewellery and valuables if they are accidentally lost, destroyed, damaged or stolen. Only applicable to Contents cover.
Caravan/Mobile Homes cover can be added as an optional extension on owner occupied properties. Only available when both Owner Occupied, Buildings and Contents cover are selected.
Small Craft cover can be added as an optional extension on owner occupied properties. Only available when both Owner Occupied, Buildings and Contents cover are selected.
We also provide a range of additional benefits some of which include:
24Hr Home Assist - Emergency Service
Contact our Home Assist Emergency Service 24 hours a day, 365 days a year, anywhere in the Republic of Ireland. Our tradesmen and repairers will provide you with assistance in the emergency which results in loss or damage to your home e.g. damage to the roof, plumbing, drainage system, central heating, gas and electricity where there is complete failure, external locks, door and window repair. If the emergency results in a valid claim on the policy the Emergency Service charges will be refunded as part of the claim settlement. Only applicable to Buildings cover.
Pay your premium by Direct Debit over 12 Months for a service charge of 8%.
If you select a higher voluntary excess, this may reduce your premium. Please 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.
*A mid term adjustment fee may apply.
Please note: the above information does not reference all of the benefits, terms, conditions, limitations, exceptions and exclusions associated with the Policy. Please take time to read our Home Insurance Policy Document and to ensure that you understand the cover provided.
It is important to remember, when proposing for insurance cover, that the information you provide is true and complete and that no material fact has been misrepresented or withheld by you. Failure to disclose all material information may result in the voidance or cancellation of your policy, a claim not being paid or partly paid, you encountering difficulty obtaining insurance elsewhere or, in the case of property insurance, you breaching the terms and conditions of any loan on the property.