Home Insurance Ireland

Home Insurance
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Home Insurance Ireland

Home Insurance
Made Rewarding

Buy a home insurance policy and earn 50 Reward Credits worth €50! Plus enjoy our exclusive €50 online discount off your home insurance.

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Cheap Home Insurance Ireland

Get a move on. Get your
home insurance arranged today.
First of all you need to consider
what you need to insure

Buildings Insurance is made up of two parts, namely:

1. The Private House

The Private House (which includes garages with direct access
from the Private House) including fixtures and fittings therein
and thereon, occupied for residential purposes only, built with
brick, stone or concrete and roofed substantially with slates,
tiles, or other incombustible materials

2. Domestic Outbuildings

Domestic outbuildings, detached garages, swimming pools,
tennis courts, including fixtures and fittings therein and
thereon, fuel storage tanks and their contents, terraces, patios,
driveways, footpaths, walls, gates and fences, lawns, hedges;
all situate as stated on Your Home Insurance Schedule on a site
not exceeding two acres in area.

Contents insurance is household goods, including fittings and fixtures,
and personal effects belonging to you (or for which you are legally responsible)
or belonging to members of your household and domestic employees permanently
residing with you, all in the private house and domestic outbuildings.

Buildings Insurance is made up of two parts, namely:

1. The Private House

The Private House (which includes garages with direct access from the Private House) including fixtures and fittings therein and thereon, occupied for residential purposes only, built with brick, stone or concrete and roofed substantially with slates, tiles, or other incombustible materials

2. Domestic Outbuildings

Domestic outbuildings, detached garages, swimming pools, tennis courts, including fixtures and fittings therein and thereon, fuel storage tanks and their contents, terraces, patios, driveways, footpaths, walls, gates and fences, lawns, hedges; all situate as stated on Your Home Insurance Schedule on a site not exceeding two acres in area.

Contents insurance is household goods, including fittings and fixtures, and personal effects belonging to you (or for which you are legally responsible) or belonging to members of your household and domestic employees permanently residing with you, all in the private house and domestic outbuildings.

Home Insurance Cover Levels – What’s included?

Events Insured (Perils) Covered
Fire, Explosion, Lightning, Earthquake and Thunderbolt
Smoke
Storm and flood
Freezing, Escape or Overflow of Water
Escape or Overflow of Oil from within any Plumbing or Heating System or Fixed Domestic Appliance
Stealing (or Attempted Stealing)
Impact by Aircraft, Aerial Devices or Articles Dropped from them, Rail Vehicles, Road Vehicles or Animals
Falling Trees and Branches and/or External Television/Radio Aerials, Masts and Satellite Dishes
Riot, Civil Commotion, Strikers, Locked-Out Workers or Persons Taking Part in Labour Disturbances
Malicious damage and Vandalism
Subsidence or Heave of the Site on Which the Private House Stands or Landslip
Accidental Damage (but only if indicated as covered on your schedule)

We have two different cover options ‘Plus and Premium’ for you to choose from:

Buildings Cover Plus Premium
Family Legal Protection
Alternative Accommodation
Debris Removal Costs
Architects/Surveyors Fees
Purchases Interest
Service Pipes and Cables
Breakage of fixed Glass and Sanitary Fittings
Clean up Expenses
Door Locks Replacement
Fire Brigade Charges
Satellite Dishes, Television/Radio Aerials and Masts
Title Deeds
Legal Liability to Others as Owner of the Buildings
Adaption of your Home following Disability
Damage to Headstones
Landscaping Cover
Accidental Damage Optional Optional

We have two different cover options ‘Plus and Premium’ for you to choose from:

Contents Cover Plus Premium
Family Legal Protection
Alternative Accommodation
Reinstatement of Sum Insured after Loss
Liability as a Tenant
Audio - and Audio-Visual Equipment
Breakage of Glass and Sanitary Fittings
Christmas and Wedding Gifts
Compensation for Death of Insured and/or Spouse
Fraudulent Use of Credit/Debit/Charge/Cheque or Cash Cards
Freezer and Refrigerator Contents
Contents in the Open
Household Removal
Temporary Removal of Property
Title Deeds
Visitors and Guests’ Property
Liability to Others
Liability to Domestic Employees
Home Office Equipment
Money
Loss of Oil
Shopping
Unspecified All Risks Cover up to €3,000
Accidental Damage Optional Optional

Full policy terms and
conditions can be found in
the policy booklet

Policy Download

Full Policy
Document

AIG

SureStone

(policies sold prior to 25/12/2019)

Policy Download

Insurance Product
Information Document

AIG

SureStone

(policies sold prior to 25/12/2019)

Definitions explained

Items normally worn, used or carried by you or your family in daily life, but not money, credit cards or items held or used for business purposes.

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Cash, cheques, postal and money orders, savings stamps and certificates, unused current postage stamps, premium bonds, traveller’s cheques, travel tickets, gift tokens, but not items used for business purposes or forming part of a collection.

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Items normally worn, used or carried by you or your family in daily life, but not money, credit cards or items held or used for business purposes.

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Computers, keyboards, visual display units, printers, word-processing equipment, desktop publishing units, fax machines, photocopiers, typewriters, computer-aided design equipment, telecommunication equipment (but not mobile phones) and office furniture, which You or Your family own.

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Need more information?

  • Contract Disputes
  • Identity Theft
  • Bodily Injury
  • Clinical Negligence
  • Employment Disputes
  • Property Protection
  • Tax Protection
  • Jury Service and Court Attendance
  • Full policy terms and conditions can be found in the policy booklet. View

Home insurance policies incepted prior to December 2019, are provided by Eversure Residential Home which is a Home Insurance policy designed by Stuart Insurances Ltd and underwritten by SureStone Insurance DAC. SureStone Insurance DAC is regulated by the Central Bank of Ireland.

Going forward, the Its4women.ie Home Product will be provided by AIG Europe S.A.

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Make a claim
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We offer six additional
covers for extra peace of mind.

These optional covers can be selected during your
quote for an additional premium.

Home Insurance Accidental Damage

Accidental Damage

Accidental damage cover to the contents in
addition to the perils listed above.

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Unspecified
Personal Belongings

We will cover your Personal Effects, Jewellery,
Photographic Equipment, Clothing and Sports Equipment
anywhere in the Republic of Ireland, Northern Ireland,
Great Britain, the Channel Islands and the Isle of Man, and
for not more than 60 days in any one period of insurance while
elsewhere in the world, up to the total value selected. Please note:
The maximum sum insured per item is €1,000
(exclusions and restrictions apply).

Get a quote
Home Insurance Personal Belongings
Home Insurance Personal Possessions

Specified Valuables
and Personal Possessions

We will cover your valuables anywhere in the
Republic of Ireland, Northern Ireland, Great Britain,
the Channel Islands and the Isle of Man, and for
not more than 60 days in any one period of insurance
while elsewhere in the world and up to the value
insured on your policy. Please note: A valuation
within the last 2 years is required for items
valued at €5,000 or more.

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Pedal Cycles
(away from home)

Accidental loss or damage in respect of pedal
cycles owned by you or your family while
being used away from the home provided the
pedal cycle(s) are specified in the Policy
Schedule. Please note: The maximum sum
insured for all cycle is €1,250

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Home Insurance Accidental Loss or Damage
Home Insurance Accidental Damage

Family Accident Protection

If an insured person suffers bodily injury
during the time of cover and period of insurance,
which within two years solely and independently of
any other cause results in death, loss of sight,
loss of limbs, permanent total disability, or hospitalisation.

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Disaster Mortgage/Cash Cover

We will pay You the sum equivalent to Your monthly
mortgage payment if a covered loss renders Your primary
residence temporarily uninhabitable for a period exceeding
72 hours following the event.

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Home Insurance Personal Belongings

Accidental Damage

Accidental damage cover to the contents in
addition to the perils listed above.

Get a quote Home Insurance Accidental Damage

Unspecified
Personal Belongings

We will cover your Personal Effects, Jewellery, Photographic Equipment, Clothing and Sports Equipment anywhere in the Republic of Ireland, Northern Ireland, Great Britain, the Channel Islands and the Isle of Man, and for not more than 60 days in any one period of insurance while elsewhere in the world, up to the total value selected. Please note: The maximum sum insured per item is €1,000 (exclusions and restrictions apply).

Get a quote Home Insurance Personal Belongings

Specified Valuables
and Personal Possessions

We will cover your valuables anywhere in the Republic of Ireland, Northern Ireland, Great Britain, the Channel Islands and the Isle of Man, and for not more than 60 days in any one period of insurance while elsewhere in the world and up to the value insured on your policy. Please note: A valuation within the last 2 years is required for items valued at €5,000 or more.

Get a quote
Home Insurance Accidental Loss or Damage

Pedal Cycles
(away from home)

Accidental loss or damage in respect of pedal cycles owned by you or your family while being used away from the home provided the pedal cycle(s) are specified in the Policy Schedule. Please note: The maximum sum insured for all cycle is €1,250

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Family Accident
Protection

If an insured person suffers bodily injury during the time of cover and period of insurance, which within two years solely and independently of any other cause results in death, loss of sight, loss of limbs, permanent total disability, or hospitalisation.

Get a quote Home Insurance Accidental Damage
Home Insurance Personal Belongings

Disaster Mortgage/Cash
Cover

We will pay You the sum equivalent to Your monthly mortgage payment if a covered loss renders Your primary residence temporarily uninhabitable for a period exceeding 72 hours following the event.

Get a quote