Home Insurance Ireland

Insuring your house and contents is vital for all homeowners in order to protect what is probably your most important financial asset. If you are buying a house through a mortgage lender, then you will be required to get at least Buildings insurance. If you own the house and don’t have a mortgage, home insurance isn’t a legal requirement, although it is highly recommended. You might be renting a house in which you have your own contents and treasured possessions that you need to protect. Often, your landlord’s insurance will not cover your contents.

Buildings insurance covers damage to the actual building, including semi-permanent fixtures such as a fitted kitchen or bathroom suites. Contents insurance, on the other hand, covers “moveable” property including, furniture, appliances, carpets and belongings.

Home insurance prices can vary depending on a wide variety of factors, including the rebuild cost of the house (the Sum Insured), the age, size, location, construction, and what security is in place e.g., alarms etc. Your policy premium will also increase if you add on optional extras such as a Caravan/Mobile Home or if you insure higher value items such as Jewellery.

Your home insurance premium may increase due to a claim but some insurers do offer quotes where a small claim may occur. If you are claim-free, you might qualify for discounts and a no-claims discount.

Usually, your home insurance will come into effect the same day you call us after you’ve agreed on – and paid for – your new policy.

Your belongings in your garage, garden and shed are usually covered in most Contents Insurance policies. Always check the policy details to make sure before you commit to an insurer as not all policies are created equally. They might not cover high-value single items, such as ride-on lawnmowers, or may have an overall value limit for contents or the shed structure. Theft cover may be limited or excluded.

Get in touch with us to discuss your individual needs, just tell us what’s important to you and we can help!

You’ll often find that Buildings and/or Contents insurance does not cover:

• Wear and tear, rust and corrosion, or any gradual deterioration
• Cost of maintenance for the Property Insured
• Mildew, rising damp, dry/wet rot, moth, vermin, pests, atmospheric, or climatic conditions.
• Operating a business from the home such as a part-time motor mechanic, a hair and beauty salon, a dog grooming business, etc.
• Theft from the home where there is no sign of forced entry or exit
• Damage to the home caused by your pets
• Damage resulting from demolition, structural alteration, or structural repairs
• If your home is unoccupied for a period e.g. 35 consecutive days before the damage
• Smoke damage from a fireplace
• Sulphides e.g. Pyrite damage
• Dangerous dogs as specified in regulations made under any control of dogs legislation (Liability excluded or strict conditions may apply)
• Mechanical, electrical or electronic defects, breakdown or malfunction
• Deliberate or Criminal Act

Contents insurance may only cover single individual items up to a certain price threshold. That means for example that if you own valuable items over €2000, then they may not be covered under your Contents policy. However, you can specify your items and your treasured valuables and take out specified ALL RISKS insurance.

We compare over 15 insurance providers to find the right cover for your rental properties. Just let us know which cover type applies to you in our Quote form.

By comparing over 15 insurance providers, we help find the right cover for your own contents as your landlord’s insurance does not cover the contents belonging to you and your family. Renters Insurance will cover your contents which also includes automatic increases in content limits for purchases made during the Christmas period and Wedding Gifts.

You can also specify those valuable treasured possessions such as jewellery.

Personal Liability cover is also included in case you have to pay for damage to a landlord’s property if you are found legally responsible for the damage.

We compare over 15 insurance providers to find the right cover for your holiday home in Ireland.

Important: Brexit January 2021 – UK brokers can no longer cover your holiday home in ROI and if you reside in the UK we can assist you.

Get cover for unexpected and non-deliberate damage to your property. This is usually an optional extra, and you can get it for Buildings, Contents or both.

Most insurance providers have a “single item price limit” on Contents items. If you have something very valuable, such as a piece of jewellery, camera, iPad, or musical equipment, it’s worth getting specified ALL RISKS insurance.

This covers the cost of calling out a tradesman to your home due to a sudden problem, such as a burst pipe or a boiler breakdown.

In the event of a fire that requires the intervention of the fire brigade, this policy will cover the cost of the call-out.

If you have a 10-year-old television that is destroyed in a fire, then New for Old cover will payout for a brand new television. Without this, some insurance providers may simply pay for the estimated value of the item when it was destroyed.

Decide whether you want accidental cover, emergency cover, or if you want to add a specified item to your home insurance policy. It’s up to you!

Where your home is uninhabitable due to an insured event, alternative accommodation insurance will pay for you to stay somewhere until you can return.

If you have a 10-year-old television that is destroyed in a fire, then the New for Old cover will payout for a brand new television. Without this, some insurance providers may simply pay for the estimated value of the item when it was destroyed.

A daily benefit for each day that you attend court for jury service is available from some Insurers.

A home insurance broker, like Campion Insurance, will search the market to find a plan that’s tailored to your needs and budget. We act as the middle person between you and the Insurer.

We will search across 15 Insurance providers for home insurance comparisons, giving you confidence that we have secured the best deal possible.

With our expert knowledge, we can correctly advise you on the type of cover that will adequately meet your needs and circumstances.