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Home Insurance Help Centre

Top 5 Questions

Accidental Damage Cover is an optional benefit available for an additional premium on home insurance plans which extends cover to include accidental events, giving rise to a loss, e.g. a large spillage on the carpet, if someone puts their foot through the ceiling.

 It is not necessary to purchase this optional extra in order to purchase a Home Insurance policy.

If you have an emergency in your home, Home Emergency Assistance will provide a repair service to secure your house and help prevent further damage from occurring. Home Emergency Assistance provides cover for up to €260 per-incident and it is limited to 3 claims per policy year.

This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAPFRE ASSISTANCE Agency Ireland.

The excess on your Home Insurance Policy refers to the amount payable by you, in the event of a claim. Under this policy, you will be required to pay a standard excess. You have the option to increase the excess, which will reduce your premium. Please refer to your policy documents to find out what excess is applicable to you.

The reinstatement value is the cost of completely rebuilding your house (less the value of the site) including architects and surveyors fees. It is important to note that the reinstatement value is the figure for which your house should be insured, rather than the market value of your home. For more information on calculating the reinstatement value of your house click here.

Family Legal Protection is an optional extra that offers help and advice with the most common legal problems. It will pay up to €65,000 to cover the legal costs that you may incur for claims made under the policy. You have access to a 24 Hour Helpline which will provide help and advice on any personal legal matter from a team of legal experts. 

Available as an optional extra on your Home Insurance policy, at a cost of just €15 per policy. It is not necessary to purchase this optional extra in order to purchase a Home Insurance policy.

Family Legal Protection is underwritten by ARAG Legal Protection Limited

An Post Insurance Home Insurance is arranged and administered by An Post Insurance and is underwritten by Aviva Insurance Ireland DAC.