Campion Insurance logo
September 20, 2023 | Home insurance,

The Importance of Home Insurance Coverage This Winter

Having the right home insurance in Ireland cannot be overstated, especially during winter months when the weather becomes even more unpredictable! No matter what the elements bring your way, the right insurance will give you the protection you need against them. Our goal in this blog is to provide you with some important information to help you understand why having adequate winter home protection is not just a precautionary measure, but a necessity to assist you in navigating winter as stress-free as possible. The truth is, we just never know what’s coming our way. What we have control over is what actions we take today to protect ourselves in the future. So, let’s dive in.

Understanding Home Insurance in Ireland

Having a solid grasp on exactly what home insurance includes is something crucial for homeowners, especially to prepare themselves for winter. You need to know explicitly what your policy covers so you aren’t left with any surprises when making a claim. So, what does home insurance in Ireland include?

There are two main components of home insurance:

  • Building Insurance: This covers the structure itself and extends to sheds and permanent fixtures.
  • Contents Insurance: This covers your personal contents inside the home.

Let’s look at what’s included in Contents Insurance

  1. Household Goods: Things like your home’s fixtures, fittings, and decorative items.
  2. Personal Items: This would include clothing, sports equipment, and electronics like TVs.
  3. Valuable Items: Jewellery, watches, cameras, and even original artwork are considered valuables. Depending on their value you need to get

If you’re wondering whether your Buildings and Contents Insurance policy protects you against winter weather, the answer is yes!

Your building insurance will protect your property against any damage from the elements such as fire, flooding and storm damage. Your policy safeguards you against unforeseen and unpredictable events such as natural disasters and severe weather.

Your contents insurance will take care of any items, such as the ones listed above that are affected by a storm or severe weather event.

It’s always best to be certain about what your policy includes before you need it. Read your policy carefully or contact your insurance provider or Broker.

The great thing about home insurance is that you can tailor it to your specific needs and lifestyle. Although we would consider Buildings and Contents Insurance essential for all homeowners, there are various add-ons that can maximise your protection.

Here are some popular Home Insurance Add-Ons:

    • Accidental Damage Cover: This add-on will help cover everyday blunders like toddlers using the carpet as a painting canvas, DIY mishaps, or a football through the kitchen window. If you have a busy family, this one is important!

    • Home Emergency Cover: Provides coverage for burst pipes, leaking roofs, and other incidents that can make your home uninhabitable for a period. Emergency accommodation may also be covered by your insurance during repairs.

    • Personal Possessions Cover: This will protect personal belongings that leave the house, such as mobile phones and laptops.

Benefits of Comprehensive Coverage

Although Buildings and Contents Insurance in Ireland can be purchased separately, combining the two will provide you with the best and most complete coverage in the event of storm damage. Finding the right policy including add-ons that complement your lifestyle is the only way to guarantee your financial protection from damages. The absolute best way to find the right policy for you is to contact a reliable and customer-centric Insurance Broker like Campion Insurance, who will listen to your specific requirements and recommend the most comprehensive protection from winter weather risks. Give us a call on 0818 300 301.

When it comes to protecting your home and possessions, being proactive is essential. Home insurance offers a safety net that protects against losses brought on by a variety of events, storms, flooding and weather-related damage from fire. Get home insurance before you need it! This is a responsible move that will protect your home and give you some peace of mind.

Be Prepared with Campion Home Insurance

When you choose Campion Insurance as your Broker, you’ll discover a great way to get Home Insurance that fits your needs. Remember, life can be unpredictable, but that’s okay! By preparing for the unexpected, you’re taking a smart step. With winter around the corner, it’s a good time to safeguard yourself from any unforeseen events. The friendly team at Campion Insurance are more than happy to help with your questions and explore all the choices with you.

Why Choose Campion Insurance?

With so many Home Insurance Brokers out there, why should you choose Campion?

  • Many Options: Choose from 15 Insurers
  • Expert Team: Professional advice across 19 locations.
  • Payment Options: We provide a range of payment options from card, Direct Debit & cheque.
  • Dedicated Claims Team: Our team is always on hand to help your claim.
  • Customer-focused: We will always work in your best interest to get the best outcome.
  • Market for nonstandard risks: If you are having difficulty getting cover for unoccupied houses, nonstandard construction, houses with claims history, house in company or pension fund names etc. these are all types of property we can look at.

Get Started With Us Today

Option One: Give our team a call on 0818 300 301

Option Two: Visit our website to find out more

Useful Links

Get a Quote with Campion

Home Insurance Policy Documents

Making a Home Insurance Claim



Get in Touch

    • Name*

    • Email *

    • Phone Number *

    • County

    • Your message


    Leave your number here and we will give you a call back.


        • My Insurance Query relates to

          Farm dwelling / ContentsPublic LiabilityEmployers LiabilityPersonal AccidentLivestockOutbuildingsTractors & MachineryPrivate Car/Jeep


        Leave your number here and we will give you a call back.