Home Insurance Ireland

Find answers to frequently asked questions about home insurance.

• Can I get Home Insurance if I am renting out a room in my house?

  We want to help you find the best insurance for your home and your lifestyle. So, if you're renting out a room in your home you can still get Home Insurance.

  Just let us know how many rooms you are renting out in your home when you are getting your Home Insurance quote.

  We don't currently quote for this online so if this is the cover you need, give us a call on 0818 7 365 24 or drop into your local branch.

  Please note: We do not cover short-term lettings.

• What is wear and tear on a Home Insurance policy?

  Wear and tear is a damage to the property as a result of ordinary use or damage that occurs gradually over time.

  Damage caused by wear and tear is not covered, as it's your responsibility to maintain your home.

  Some examples of wear and tear are:

  • Small scratches on the walls or paint.
  • Worn or slightly stained carpets.

  Terms and conditions apply. You can find more information on wear and tear in your policy booklet.

• What is Underinsurance?

  Underinsurance is the situation that exists when the amount of insurance a homeowner has on a property is no longer sufficient to pay the costs of a claim that arises on that property. The impact of inflation means that the value of the insurance cover is worth less in real terms than would have been the case some years ago.

  Underinsurance Examples

  Your home is insured for €300,000 but the full cost to rebuild the property is €400,000. This means that the home is underinsured by €100,000 or 25%. As a result, your claim would be reduced by 25%.

  Example 1 - Partial Loss Claim

  • Partial damage occurs to the home and the cost to repair the damage is €100,000.
  • A deduction of 25% (€25,000) is made from the cost of repairs.
  • Therefore, the most you will receive is a payment of €75,000. You would need to fund the balance of €25,000 yourself.

  Example 2 - Total Loss Claim

  • Damage occurs to the home, and it requires a complete rebuild.
  • As the home has been insured for €300,000 this is the maximum payment that can be made.
  • You would need to fund the balance of €100,000 yourself.

  Please note: other settlement factors such as the policy excess are not considered in the examples above.

  Read more about Underinsurance.

• Why do I need home insurance?

  Although home insurance is not required by law for home owners, many mortgage providers will require you to have Buildings Insurance before you'll get a mortgage. This is to make sure your that building is fully protected which helps protect their investment.

  For most people, their home is their most valuable asset, which is why you should have it protected.

  Without home insurance, in the event of any incident you may be left to pay out of pocket, which often can be quite a financial burden. Our Home Insurance cover helps protect you, your home and all your belongings from the unexpected giving you the peace of mind that we are always here to help.

• What is liability cover on my Home Insurance?

  Liability cover is offered with all of our Home Insurance policies, to the value of €3 million.

  This means that we will cover the amounts that you are legally responsible to pay anyone who has been injured on your property, along with any damage or loss of material property.

• Can I insure my home if my property is in a flood-prone area?

  For more information, feel free to contact us on 0818 7 365 24 and a member of our designated home insurance team will be able to help you.

  You can now call us from 8am to 8pm (Monday - Friday) or from 9am to 4pm on Saturdays.

• Will my Home Insurance premium be affected if I make a claim?

  Making a claim on your Home Insurance can be a daunting task and can often become a stressful situation, particularly surrounding your next insurance premium and how the cost may increase.

  If you have consecutive, claim-free periods of home insurance with us, we'll reduce your premium at your next renewal date in line with our discount scale.

  If you have a claim during your insurance year, your no-claims discount will reduce to 0%.

  You can report a Home Insurance claim, or call us on 0818 7 365 24.

• Can I insure my holiday home?

  We offer Holiday Home Insurance which offers extra protection, so you have peace of mind that your home and contents are protected, even when you are not there.

  Much like with our regular Home Insurance, we offer Holiday Home Insurance with varying levels of cover.

  Buildings & Contents Insurance

  Cover for your property and contents.

  Buildings Only Insurance

  Covers any buildings which you may have on your property; your house, along with all permanent fixtures such as kitchen units.

  Contents Only Insurance

  Covers any furnishings for the property, such as furniture, along with any personal belongings and valuables.

  By insuring your holiday home along with your permanent residence you can get a 15% discount.