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Renters Insurance cover FAQs

Allianz Ireland Renters Insurance FAQs

Are my possessions covered by my landlord’s Insurance?

No, your possessions are not covered by your landlord’s insurance.  

For example, if there is a fire and your laptop and clothes get destroyed or your phone is stolen from your home, your landlord's policy doesn’t cover this. It is up to you to have the proper insurance in place for your belongings.

What is Renters Insurance?

Renters insurance is a type of insurance for the contents in your rented accommodation.  

It covers your contents from:

  • fire, theft storm, flood and smoke damage. It also covers for damage caused by faulty heaters and cooking equipment. 
  • Renters insurance covers your TV and audio equipment from accidental damage up to €3,000. . 
  • Renters insurance also covers liability if a visitor injures themselves in your home. 
  • If you work from home Allianz Renters Insurance provides cover for up to €4,000 for your home office equipment, for those of us who are working from home. This includes computer(s), printer(s), scanner(s), and the likes.

How expensive is renters' insurance?

Allianz Renters Insurance starts from €10 a month. For a little bit more, you can increase your cover to include accidental damage to all your possessions, not just TV and audio equipment and you can get cover for certain items that you take outside your rented accommodation.

Are my belongings covered outside my home?

You can opt to cover your day-to-day personal possessions outside of your home, for an additional premium. For those everyday possessions –such as bicycles, sports equipment, jewellery, mobile phone - each item is insured for up to €2,000, with no excess.  

Say, for example, your sports bag with your gym clothes, that lovely tennis racket and your smartwatch are stolen from the gym, you will be covered if you choose this optional extra with your renter's insurance. Handy, right? 

You can also add up to six individual items onto your policy, which are over the €2,000 limit. For example, that expensive luxury watch you got for Christmas or your precious Diamond Engagement ring. *This is called specified all risks. 

*The maximum value for each specified item is €10,000 and the total value of all your specified items cannot be more than €20,000. For more information read page 31 of our Household Policy Document.

What is shopping cover?

Renters insurance will also cover your shopping up to €400 if the item you buy is damaged between the shop and your home. This is prefect for that fragile Christmas shopping when you are battling through the crowds.

What is Emergency home assistance?

If you have a sudden situation like a water leak or if you’re locked out of your house, we are here to help 24/7, 365 days a year. Forgot your keys? Don’t fret! Allianz will get a locksmith to your home getting you back in safely. Costs of the call out, labour and materials are covered (up to €300 per incident, four times per year). Find more information on Emergency Home Assistance . 

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