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.

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.

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.

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.

Contents Insurance | Home Cover Options

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.

Other Tenants Contents Insurance Benefits

Frozen Food

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

Jury Service Benefit

If you are insured through Aviva Insurance Ireland DAC for your Home Insurance you will have cover if you or your partner are called for jury service. We will give you €40 per day up to a maximum of €650.

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.

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 or

01 613 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.

How much contents cover should I choose?

There are typically two ways you can choose contents cover on an An Post Insurance home insurance policy.

You can choose contents cover as a percentage of your building cover. For example, if your building is insured for €200,000 and you choose 30% contents cover, then you have cover up to €60,000.
You can insure the total value of all your contents as a separate sum.

What is tenants contents insurance, and what does it cover?

Cover includes;

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.

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.

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.

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

Fire brigade charges: 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.

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.

Do I get buildings cover with Landlord's Contents Insurance?

No - a Landlord's Contents Insurance policy only covers content. If you need buildings cover, check out our Landlord's Insurance page.

Who would Landlords Contents Insurance be suitable for?

Landlords Contents Insurance would suit anyone renting out a furnished apartment and only needs cover for their belongings.

Under Landlords Contents Insurance is emergency repair or assistance cover included?

Yes – the policy includes fire brigade charges in relation to an insured event, home emergency assistance* and lock replacement if keys are stolen. Coverage limits vary depending on your insurer. Please refer to your Policy Booklet for further information.

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.