Buildings Insurance

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Buildings insurance covers the cost of rebuilding or repairing for damage or loss to the structure of your property. At Zurich, our award-winning home insurance covers both your buildings and contents, where both are selected as part of your policy.

What is buildings insurance and what does it cover?

Buildings insurance is a cover that can pay to rebuild or repair the structure of your property if it’s damaged or destroyed. It covers the physical structure of a property – such as walls, floors, and roof – against damage, loss, and theft. Permanent fixtures and fittings within your home, including bathroom suites, fitted kitchens and built-in wardrobes, are also covered by buildings insurance.

Buildings insurance can cover against damage caused by events such as fire, storms, or floods, as well as vandalism or subsistence.

Keep in mind that buildings insurance is usually required if you are buying you home through a mortgage lender.

How much buildings insurance do you need?

How much buildings insurance cover do I need?’ is a common question many people ask and making sure that your property is adequately insured is crucial. When you insure your home, you should base your figure on the rebuilding cost and not the market value of your home.

To be totally confident that your home is adequately insured, contact an independent surveyor, who will calculate the exact rebuilding cost of your home. We also have a home rebuild calculator where you can calculate your house rebuilding cost. This calculator is based on information released by the Society of Chartered Surveyors and is intended as a guide only to give you an indication of the rebuilding cost of your house.

Home insurance with buildings cover

With Zurich you can take out buildings cover together with contents cover, as part of a comprehensive home insurance policy, to insure both the structure of your property and your belongings.

Buildings-only insurance

If you are a landlord and only need to insure the property you rent out – without covering the contents – you can do so as part of a landlord insurance policy, instead.

Home Emergency Assistance

Zurich, in conjunction with our assistance company, provide an Emergency Helpline, to ensure that customers get the reassurance they need. In the event of a household emergency, all Zurich customers can avail of our 24 hour emergency assist helpline by calling 1890 208 408 or 01 609 1436.

As a Zurich customer, you will be required to pay a call out fee to the relevant contractor. The contractor must provide you with a receipt. If work is required other than that which is catered for by payment of the call out fee, the contractor must provide you with a written estimate and an explanation of the work to be carried out.

You are responsible for instructing the contractor to complete this work. Payment for this work must be collected directly from you. Please retain any damaged materials/goods in order to substantiate any future claim.

How you can save

To reduce the cost of your home insurance premium and save up to 5%, get a quote and buy your home insurance online with Zurich. You can also save an additional 5% if you have another Zurich product and we offer a reduced price if you have no claims and if you have a working burglar alarm. For more details, call us in Wexford on 1890 400 300 or 053 915 7775.

When you take out Home Insurance with Zurich, you can be confident that you are receiving a quality product at a competitive price. With Zurich, you are guaranteed a prompt, timely and efficient service in the event of a claim because we know you want to get your life back to normal with as little fuss and inconvenience as possible.

Terms, conditions and underwriting criteria may apply.

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