Understanding your Landlords insurance
With Allianz Landlord insurance, we ensure cover for a range of rental properties.
Choose between our three packages to find the right cover for you, including Contents Only for apartment owners, Buildings Only for property owners, or avail of all cover and benefits with our most complete package Buildings and Contents.
The Basics Package Cover
Cover for damage caused by storm and flooding. Exclusions may apply depending on the construction of the roof; please refer to the Home Insurance Policy Document for further details of all exclusions.
Please refer to the Home insurance policy document for further details of all exclusions.
We will cover the costs of any damages incurred or repairs needed as result of a sudden escape of water, including burst pipes or plumbing issues. Damage caused by gradual leaks, such as showers, baths, or sinks, is not covered.
Similarly, you are covered for any damages incurred as result of escape of or overflow of oil from any heating or fixed plumbing systems at the premises.
Your Landlord Insurance also includes cover for:
- Subsidence or Landslide landslip.
- Impact from vehicles including road, rail or aircraft.
Please note: See below for a summary on the cover we provide; for further detail on the cover, terms and conditions and exclusions please refer to our Home Insurance Policy Document which is available to download.
Contents Only - Apartment Owners
We will compensate for the loss against all sums as result of damages to or injury caused by contents in the rental home which you become legally liable to pay, up to €3,175,000 in any one occurrence.
Please note: There is no cover for fixtures or fitting including flooring and kitchens unless requested to be noted on the policy.
We will cover loss of rent incurred should the property's conditions become inhabitable following an insured event.
Or, we will cover the costs to provide alternative accomodation for your tenants along with storage for your contents.
The maximum we will pay under this benefit is 15% of the contents sums insured.
In the event of a sudden situation such as burst pipes, or becoming locked out of your rental property, we offer 24/7 365 assistance, up to 4 times a year, free of charge. This includes the cost of call outs, labour and materials up to €300 per incident.
Please refer to our Emergency Home Assistance page for further information.
The following benefits are also included within the Contents package:
- Breakage of glass
- Contents in open
- Title deeds replacement
Buildings Only - For Home Owners
In the event the property has to be rebuilt following a total or partial loss, the property will be rebuilt in line with current building regulations.
We will aldso cover:
- Architects or Surveyors Fee
- Debris Removal Costs
- Public Authority Requirements Charge
Your policy also includes the following benefits:
- Breakage of fixed glasses and sanitary fittings
- Purchasers interest
- Satellite dishes and TV/ radio aerial damages up to a limit of €1,300
- Service pipes and cables repairs or replacements following accidental damage