Contents Insurance | Home Cover Options

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 is Home Emergency Assistance?

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.

Q: What does excess mean on a Home Insurance Policy?

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 of a house?

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.

We're Human About Contents Insurance

We can help protect the personal possessions that make your house a home. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you. Letting out your property? See our Landlord Insurance designed specifically for rental properties.

How we Help

Wallet-Friendly Contents Protection

We know that everybody wants to get great value contents insurance, so we offer competitive prices and cover to cater for your contents.

Stress-Free Cover

Get the peace of mind of good protection. We'll help you find the cover that suits you and we'll provide access to experts should the unexpected happen in your house.

Customisable Cover

We offer different contents cover for landlords and tenants, as well as optional add-ons to help you tailor your plan for you and your belongings.

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.

Our Cover Options

Landlords Contents Insurance

Landlord's Contents Insurance - for landlords letting apartments where building cover is handled separately. This includes cover for your household goods and furniture in the apartment as well as public and personal liability. (1)

Tenants Contents Insurance

Our contents cover for tenants is specially-designed for tenants in rented accommodation. It helps to know you're protected if your treasured possessions are damaged or stolen, or if someone is injured in your home. (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) Public and personal liability offers 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.

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.

Good to Know

We've gathered together all the details you need to better understand your contents insurance options. 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.