Tenant's Contents Insurance

Q: What is Accidental Damage Cover?

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.

Q: What does excess mean on a home insurance policy?

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.

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We're Human About Tenant's Insurance

If you're renting your home and want to keep your contents safe, we can help you deal with the unexpected. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you. Are you a landlord instead? Check our Landlord Insurance for rental property cover.

How we Help

Wallet-Friendly Protection for Tenants

We know that every tenant wants to get great value on contents insurance, so we offer competitive prices and customisable cover to help manage the cost of protecting what matters to you.

Stress - Free Cover

Get the peace of mind that comes with knowing your home's contents are protected. If things go wrong, we'll ensure you get the help you need to take care of the details, from Replacing Door Locks Cover to refilling the freezer (1).

Benefits and Bonuses

Our insurer provides care as well as cover, with a wide range of benefits including home emergency assistance (2) and jury service benefit (3).

Real Customer Care

We're powered by people just like you, living in communities all over Ireland. Our experienced team is on hand to get you the help you need.

1) Cover replacement door locks depending on your insurer cover is available for up to €1,200 or a maximum of your contents sum insured. Cover for loss or damage to frozen food up to €1,000 or €750 depending on your insurer.
2) If you have an emergency in your home, we will provide a repair service to secure your home and help prevent further damage from occurring. Depending on your insurer, cover is available for up to €300 per incident/ 4 call-outs per policy year or €260 per incident/3 call-outs per policy year. This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
3) Aviva policies only, if you or your partner are called for jury service, we will give you €40 per day up to a maximum of €650.

Features and Benefits

Whether you're renting a house or an apartment, we can help protect you from unexpected surprises. Our tenant's contents cover helps to deal with fire brigade call-out charges, lost bank cards (1) and public and personal liability (4).

Home Emergency Assistance

Help is just a phone call away with our Home Emergency Assistance service. We will provide a repair service to secure your home and help prevent further damage from occurring (2).

Fire Brigade Services

We'll be there to help should the worst happen cover for call-out charges covered in relation to an insured event. Depending on your insurer, cover is available for up to €3,500 or €3,000.

Public and Personal Liability

This policy provides up to €3,000,000 cover for your legal liability for damages and costs following injury or disease to any person or loss or damage to property (4).

Optional Upgrades

Every home is unique, so your insurance should be too. You can purchase extra optional benefits (5) such as full accidental cover or specified contents cover for the likes of jewellery or bikes, for added peace of mind.

4) Public and personal liability to others Cover for your legal liability for damages & costs following injury, illness or disease to any person or damage to their property up to €3 million.
5) These options are subject to additional charge; it is not necessary to purchase these upgrades in order to purchase the policy

Please refer to our policy booklets for full cover details and terms and conditions that apply. Discounts, cover limits, and terms and conditions are dependent on your insurer and those applicable to you will be outlined in your policy documents.

We value your feedback

I recently renewed my car insurance, and the process was seamless from start to finish. The team was professional, efficient, and took the time to explain my options clearly. What stood out most was their excellent customer service—friendly, knowledgeable, and always willing to assist with any questions. I truly appreciated the hassle-free experience and the speediness of the process. Highly recommend their services to anyone looking for a smooth and stress-free renewal process! Angela - 11th Feb - 2025

Top 5 FAQs

We've gathered together all the details you need to better understand your Tenant's Contents Insurance options while you’re renting. Take a look at our contents insurance FAQs and learn more about how we can help you get the cover you deserve, at the price you prefer.

What is Accidental Damage Cover?

Depending on your insurer, accidental damage covers you for accidental damage to your buildings and/or contents in your home at an increased premium. Please refer to your Policy Booklet for further information on Accidental Damage cover.

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

What is Home Emergency Assistance?

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.

Depending on your insurer, cover is available for up to €300 per incident/4 call-outs per policy year or €260 per incident/3 call-outs per policy year.

If you experience an emergency at home, please telephone 091 501 698 for Aviva Insurance Ireland DAC policies or01 613 3990 (option 3) for Allianz p.l.c policies.

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

Please note, an excess is not payable when using Home Emergency Assistance.

What does excess mean on a Home Insurance Policy?

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.

What is the Reinstatement Value of a house?

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.

What is Landlord Insurance, and how is it different from Landlord’s Contents Insurance?

Landlord Insurance is designed for those who rent out a property and need full protection for the building and any contents they provide. It includes cover tenant-related risks* and public liability.

If you’re letting a furnished apartment and only need contents cover, see our Landlord's Contents Insurance.

If you need full cover including the building, see our Landlord's Insurance.

*Please refer to our policy booklets for full cover details and terms and conditions that apply. Discounts, cover limits, and terms and conditions are dependent on your insurer and those applicable to you will be outlined in your policy documents.