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.

Win a €1,000 Woodie's Voucher** Every Month Get a quote Acceptance criteria, T&Cs apply, subject to a minimum premium. Best Price available online. †Available for new policies commenced between 01.07-30.09 2025 For T&Cs.

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**All customers who purchase a new home insurance policy will be entered into a promotion with the opportunity to win a €1,000 Woodies gift voucher every month. Promotion closes on the last day of the month.

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Home Insurance Cover Options

No matter where you live, everyone's home is different. Our range of house insurance 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.

Buildings & Contents Insurance

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

Landlord's Insurance

Protect your rental property and keep your building and possessions covered. Our cover also protects you with public and personal liability cover. (1)

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 35% discount available for new home customers. (2)

1) 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.
2) Depending on Insurer, Aviva new home customers to An Post Insurance can avail of a 10% New Business Discount. First Time Buyers can also avail of a further 25% No Claims Discount. Allianz new home customers to An Post Insurance who are first time buyers can avail of 5 years No Claims Discount.

Home Insurance 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 renting an apartment, 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. It will pay up to €65,000 to cover the legal costs that you may incur for claims made under the policy. Family Legal Protection is underwritten by ARAG Legal Protection Limited.

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

Having an approved burglar alarm house alarm can give you peace of mind in knowing that your property and belongings are protected when you aren’t at home. (5)

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.

Finding a Leak

Trace & Access cover to help find the source of a leak. Depending on your insurer & cover type, cover is available for up to €1,000 or €750.

Replace Door Locks

If your keys are stolen we will replace your door locks. Depending on your insurer, cover is available for up to €1,200 or a maximum of your contents sum insured.

Frozen Food Cover

Covers loss or damage to frozen food. Depending on your insurer, cover is available for up to €1,000 or €750.

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. 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.
5) Alarm must be installed and maintained in working order and in accordance with the manufacturer’s instructions and requirements. The alarm system must be activated when nobody is in the home.

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.

Extra Care Option

Family Legal Protection is an optional extra that offers help and advice with the most common legal problems. For an additional premium, 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.

Legal defence Provides legal defence for you for employment discrimination, motoring, civil or criminal prosecutions. - Contract disputes Will help and advise you if you need to pursue a claim following the purchase of goods or services that were not fit for purpose.
Personal Injury Will help you to pursue claims for physical injury or accidental death.
Property protection We will pursue claims if your home or personal possessions are damaged. It will also cover any problems arising from nuisance or trespass on your property.

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. Family Legal Protection is underwritten by ARAG Legal Protection Limited

Home Insurance from An Post Insurance

We're Human About Insurance. Let us protect your house, while you make it a home. An Post Insurance is 100% Irish-owned, so we understand what matters most to you. Here is a quick snapshot of our great range of Home Insurance cover options, features and benefits, as well as how we can help you can get the cover that's right for you. Find a great Home Insurance Policy today.

Acceptance criteria, T&Cs apply, subject to minimum premiums.

How we Help

Wallet-Friendly Home Protection

We know that everyone wants to get great value on home insurance, so we offer competitive prices and online promotions (6) to help lower the cost of cover.

Stress-Free Home 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 (7).

Benefits and Bonuses

We reward existing home owners too with a no claims discount (8) if you have held a home insurance policy and are claims free

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.

6) Acceptance criteria, T&Cs apply, subject to a minimum premium. Discounts are applied consecutively, new business only.
7) Replacement 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.
8) This discount is available if you have held a home insurance policy with no gaps in cover and are claims free for 5 years.

Tell us what you think about our Home Insurance

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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 Home Insurance 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?

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.