Home Insurance

Q: What is Accidental Damage Cover?

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

Q: What does excess mean?

Excess is 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.

Q: What is the Reinstatement Value?

Reinstatement value is the cost of completely re-building 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 the house.

The saving continues! Get up to €40* off today! Get a quote *15% discount or €40 off home insurance will be applied (whichever is the lower). Acceptance criteria, T&Cs apply, subject to a minimum premium of €240 for home insurance or €120 for contents insurance. Discounts applied consecutively, new business customers only, will not be available at subsequent renewals. Best Price available online. An Post Insurance Home Insurance is underwritten by Aviva Insurance Ireland DAC.

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Home Insurance Cover Options

No matter where you live, everyone's home is different. Our range of policies make it easier for you to choose the cover that's right for you and your household. Learn more about how we can help you protect the things that matter most to you with our Buildings & Contents Insurance.

Protecting your house | Buildings and Contents | An Post Insurance

Buildings & Contents Insurance

Our Buildings & Contents Insurance is our Home Insurance product that safeguards your house & precious belongings.

Apartment Insurance | Contents Insurance | An Post Insurance

Landlords Contents Insurance

If you're letting an apartment, we can help you deal with the unexpected. Our cover also protects you with public and personal liability cover. (1)

Tenant Insurance | Contents Insurance | An Post Insurance

Tenants Contents Insurance

Our Contents Insurance cover is designed for tenants in rented accommodation and protects your possessions from damage or theft.

First-Time Buyers

Move into your dream home with our special discount for first-time buyers, with a 50% discount available for new home customers. (2)

1) Up to €1,300,000 cover for your legal liability for damages and costs following injury or disease to any person or loss or damage to property.
2) New home customers to An Post Insurance can avail of a 25% New Business Discount. First Time Buyers can also avail of a further 25% No Claims Discount, meaning an impressive 50% discount for First Time Buyers.

Features and Benefits

Every home is unique, so your home insurance should be too. Whether you're an owner-occupier, a tenant or a landlord, we've got you covered. We’re proud to help our customers protect their no claims discount, even if the unexpected happens. You can even upgrade your policy with extras such as Family Legal Protection (3), for added peace of mind.

Learn more about our home insurance features and benefits in our Help Centre.

3) Family Legal Protection is 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.

Fire Brigade Services

We'll be there to help should the worst happen, covering up to €1,500 of call-out charges if the Fire Brigade Service is called to attend your emergency.

Protected No Claims Discount

We understand that your no claims discount is important to you, so with us, you can make one claim up to €10,000 in a three-year period without losing your no claims discount.

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. (4)

Alarm Discounts

Safeguard your home with an approved burglar alarm and enjoy a 12.5% discount (5). If you install and maintain a Smartzone Home Alarm System, you'll be entitled to an 18% discount.

4) 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. Cover for up to €260 per incident, 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.
5) Discounts are applied consecutively and are subject to a minimum premium of €240 or €120 for Contents only. Full information can be found on the Smartzone Home Alarm System Promotion page. Must be fitted to EN50131 (old IS199) standards and installed by an intruder alarm company approved by the National Standards Authority of Ireland. The installer should hold a P.S.A. (Private Security Authority) licence.

Smartzone Offer Home Insurance Promotion

Insure your home with An Post Insurance and get an 18% alarm discount with our complimentary Smartzone Home Alarm System.

Find out more

An Post Insurance Home Insurance

Here is a quick snapshot of our great range of Home Insurance cover options, features and benefits, as well how we can help you can get the cover that's right for you.

How we Help

Wallet-Friendly Protection

We know that everyone wants to get great value on home insurance, so we offer competitive prices, online promotions (6) and a uniquely protected no-claims discount (7) to help lower the cost of cover.

Stress-Free Cover

Get the peace of mind that comes with knowing your most valuable asset is protected. If things go wrong, we'll help you take care of the details, from replacing the door locks to refilling the freezer (8).

Benefits and Bonuses

We reward existing home owners too: you can avail of our 40% no claims discount (9) if you have held a home insurance policy and are claims free for 5 years.

Real Customer Care

We're powered by people just like you, living in communities all over Ireland. Our team is available six days a week - you can trust us to get the help you need, when you need it.

6) Acceptance criteria, T&Cs apply, discounts are subject to a minimum premium of €240 and are applied consecutively, available to new business only.
7) You can make one claim up to €10,000 in a 3 year period without losing your no claims discount.
8) Get up to €400, if your keys are stolen. Cover for loss or damage of frozen food up to €650.
9) This discount is available if you have held a home insurance policy with no gaps in cover and are claims free for 5 years.

We value your feedback

I found the easiness of contacting a person, was very refreshing. The person was very polite, easy to speak to and gave me a great deal. I put down the phone feeling very positive and happy with the whole experience. Reminded me of a time when people were there to help you. Maria 29.03.2022

Top 5 FAQs

We've gathered together all the details you need to better understand your home insurance options. Take a look at our home 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?

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.

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. 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.

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 click here.

15% off** Car & Home Insurance

Plus, you could get a free Annual Multi-Trip European policy when you take out a car & a home policy with us & both policies are underwritten by Aviva Insurance Ireland DAC**.

Find out all about this promotion here

**Discounts applied consecutively and subject to a minimum premium of €355 or €325 depending on the policy underwriter for car insurance, €240 for home insurance and €120 for Contents Only. This offer is applicable to An Post Insurance policies underwritten by Aviva Insurance Ireland DAC. You will get a 15% discount on the second policy you take out. Once this policy is set up, you'll be eligible for one year free multi-trip European travel insurance. When your first policy is due for renewal you will be eligible for the 15% discount for that policy. Full terms and conditions can be found on our promotions page.