What does home insurance cover?
Home insurance is a combined package insurance policy that protects your home and belongings against a range of risks such as loss or damage by theft or attempted theft, fire, flood, water damage or subsidence.
Home insurance offers you peace of mind that your property and belongings are protected should the worst happen. Home insurance covers your building and contents and protects them against damage, loss or theft.
The purchase of your home is a significant financial investment so it’s important to protect it with comprehensive home insurance. Your personal items have monetary value, so it makes sense to insure your home and contents and protect these precious items in the event of loss or damage.
What's in a home insurance policy?
Your home insurance policy can be tailored to your individual needs and requirements and cover and restrictions will vary depending on which options you choose. A standard home insurance policy typically contains two main components: building insurance and contents insurance.
- • Buildings insurance provides cover for the structure of the home, domestic outbuildings and permanent fixtures.
- • Contents insurance provides cover for household goods and personal belongings. Important: Cover and restrictions will vary depending on which option you have chosen.
What is insured by home insurance?A standard home insurance policy covers:
✔ Loss or damage caused by sudden and unforeseen events such as: Fire, Storm, Flood, Subsidence, Theft, Escape of Water, Escape of Oil and Malicious Damage.
Buildings cover includes:
✔ Buildings replacement – up to sum insured to repair, replace or rebuild your property in the same form.
✔ Legal Liability as owner of the property for bodily injury or accidental property damage.
✔ Damage to Underground Pipes and Cables.
✔ Tracing a leak at the home.
Contents cover includes:
✔ Contents replacement – up to sum insured to repair or replace your contents as new.
✔ Replacing locks if the house keys are stolen.
✔ Unlimited cover for replacing food in freezer or fridge, if appliance breaks down or after a power failure.
✔ Temporary removal of contents.
✔ Alternative accommodation – if your home can’t be lived in following a claim.
✔ Tenant liability – your liability for damage to the landlord’s buildings.
✔ Legal Liability as owner or occupier of the home for bodily injury to domestic employees.
✔ Legal Liability as occupier of the home for bodily injury or loss of or damage to property.
✔ Personal Legal Liability.
Optional covers - available at an additional cost
• Accidental damage.
• All Risks/Personal Possessions.
• Family legal expenses.
• Family Personal Accident.
What is not insured by home insurance?
✘ The first amount of any claim (known as the excess). Refer to your policy documentation.
✘ Storm or flood damage to fences, gates, hedges.
✘ Loss or damage if any part of the buildings suffered previous loss or damage by subsidence, ground heave or landslip unless advised and accepted by us.
✘ Theft while any part of the home is let unless entry to the home is made using force.
✘ Malicious damage caused by someone lawfully on the premises.
✘ Any loss or damage caused by wear and tear, gradual deterioration, depreciation or any other gradually operating cause.
✘ Poor or faulty workmanship and/or materials.
✘ Any criminal or deliberate act by you or your family.
✘ Contents valued in excess of €4,000 for any one article, set or collection without prior agreement.
✘ Fees incurred by you in preparing a claim.
Important: this is only intended to provide a summary of the key information relating to this insurance product and is not personalised to one’s individual cover or needs. The specific cover and restrictions will depend on the options you choose when taking your home insurance policy.
Is my garage content covered in my home insurance?
Yes, your garage contents are covered under your home and contents insurance.
Does my home insurance cover lodgers?
If you are planning on letting or partial letting any section or your home or having paid lodgers we would recommend that you contact us to discuss.