Landlord insurance cover details

Cover your property and/or contents from fire, including smoke damage, explosion and lightning.

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.

Cover your property and/or contents that are damaged, destroyed or stolen in the event of a break in, or an attempted break-in 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.

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.

Should you need a fire brigade assistance to your home we will cover the charges up to €2,000 and also if your garden faces any damages caused by emergency services (including ambulance and garda vehicles) up to €1,000.

Your policy covers the costs of replacing the external door locks and keys of the premise should they be stolen following a break-in.

We will cover the cost of replacing any loss of oil or metered water from a fixed domestic appliance, or any heating/ plumbing systems as result of any damages incurred by an insured event.

The following benefits are also included within the Contents package:

• Breakage of glass
• Contents in open
• Title deeds replacement

We will cover for all sums for which you as owner of the premises become legally liable to pay up to a limit  €3,175,000 in any one occurrence.

Cover for  loss of rent due to you, or up to 15% buildings insured when the premises is deemed inhabitable following damage by an insured peril.

In the event of a sudden situation such as burst pipes, or becoming locked out of the property, we offer 24/7 365 assistance, up to 4 times a year,. This includes the cost of call outs, labour and materials up to €300 per incident.

In the event fire brigade assistance is required at the property we will cover the charges up to €2,000.

We will cover the costs of removing or replacing any part of the premises necessary to repair any fixed water or heating  installation where water, oil or gas has escaped up to €650.

Should the private house need to be completely rebuilt following damage from an insured peril we will cover  the rebuilding costs to reinstate the private house to a BER ‘A’ rating. We will also 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 €1300
• Service pipes and cables repairs or replacements following accidental damage