Protect your home building and your belongings with our combined buildings and contents insurance policy (also known as home and contents insurance), comprehensive high-quality cover for your peace of mind. Our home insurance covers both your buildings and contents, where both are selected as part of your policy.
Why get buildings and contents insurance?
Buildings and contents insurance protects both your home building and your belongings. The purchase of your home represents probably the largest financial investment you will make in your lifetime. It is, therefore, vitally important that you protect your most important asset by insuring it for the correct value. Your personal items have monetary value, so it makes sense to insure your home and contents and protect these items in the event of loss or damage.
What does buildings & contents insurance cover?
Buildings and contents cover – also called home and contents insurance - is a combined package policy that provides protection for both your home and its contents. It covers the cost of rebuilding or repairing the structure of your property, including fixtures and fittings, if it is damaged or destroyed, as well as covering the monetary value of your belongings. Home insurance covers your home and contents against a range of risks such as loss or damage by theft or attempted theft, fire, flood, water leakage or subsidence. This cover protects your home and contents if the damage or loss is caused accidentally or maliciously. Note that buildings insurance is usually mandatory if you are buying you home through a mortgage lender.
How much does buildings & contents insurance cost?
The cost of your home insurance premium will differ depending on the cost to rebuild your property and replace your contents as new. The amount you insure your home for is the buildings and contents sum insured. The buildings sum insured is the cost to rebuild your home and not the market value. Each year, you should review the amount for which you have insured your building and contents, especially in times of high inflation. In addition, if home improvements have been carried out, such as the building of an extension or the conversion of the attic, or if you have purchased additional contents, the sums insured should be increased to during the policy year to reflect this. Use the house rebuild calculator from the Society of Chartered Surveyors to calculate the rebuild cost of your home for insurance purposes.
Why choose Zurich?
Taking out a home insurance policy with Zurich comes with the same peace of mind associated with being with an insurer that is:
- Excellent claims service with 99%** of claims paid
- Over 70 years’ experience providing home insurance in Ireland
- Local support - customer service experts based in Wexford
- Excellent financial strength*
*Please click here for financial strength and credit rating details.
**From January to December 2024, on average we paid out on 99% of motor, home, van, farm and windscreen insurance claims
Terms, conditions and underwriting criteria may apply.
*Save up to 4% with the 'Protect' promocode discount and up to a further 10% discount when you get an online quote and buy a new home insurance policy online from Zurich. Simply enter ‘Protect’ in the promotional code box when you get your online home quote. This offer is available to new customers in the first year only and not available to existing Zurich home insurance customers. We offer an additional 5% discount on your home insurance if you have an existing insurance policy with Zurich. We also offer a minimum additional discount of 10% if you have been claims free for 4 years or more. Offer is valid until 31st May 2025. This offer cannot be used in conjunction with any other Zurich home insurance offer. All premiums including discounts are subject to the minimum premium. Discounts do not apply to optional add-ons.