Tenant's Contents Insurance
Contents Cover for Renters
Get a quoteWhat is Tenant's Contents Insurance?
Tenant's Contents Insurance protects your personal belongings including furniture, electronics, clothing, jewellery, and other items if you are renting your home. Your Landlord's Insurance policy does not cover your possessions, so it is important to have your own contents cover in place. Your policy includes public and personal liability cover, protecting you against legal liability for damages and costs following injury, illness, or disease to any person, or damage to their property, up to €3 million. Alternative accommodation cover is included with Aviva policies, giving you somewhere to stay if your rental home becomes uninhabitable. This cover is not available with Allianz tenant's contents policies. An Post Insurance searches across our panel of well-known insurers in the Irish market and presents you with the most competitive price for your chosen level of cover.
What does Tenant's Contents Insurance Cover?
Put simply, Tenant's Contents Insurance covers important items in your home such as furniture, clothes, electronics, jewellery and cash (subject to your insurer and their terms and conditions). This gives you peace of mind in the event of fire, flood, theft or storm – wherever you are in Ireland. Accidental Damage Cover is also available as an optional extra at an additional cost, which can be useful if something in your rented home is accidentally damaged or destroyed. It is not necessary to purchase this extra in order to purchase a policy.
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, home emergencies and public and personal liability.
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.1
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.
Optional Upgrades
1) 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.
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 €260 per incident/3 call-outs per policy year with Aviva or €300 per incident/4 call-outs per policy year with Allianz. This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
3) 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.
What do I need to get a Tenant's Contents Insurance quote?
Getting a quote takes just a few minutes. Before you start, have the following ready:
- your personal details (name, address, Eircode, contact number, email),
- an estimate of the total replacement cost of your belongings (go room by room noting replacement costs for furniture, electronics, clothing and valuables), and
- your claims history.
Do not include the value of any contents owned by your landlord. These are covered under your landlord's own policy. Once submitted, you will be presented with the most competitive price from our panel of insurers.
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Top FAQs
Accidental Damage Cover is an optional extra that protects you against unexpected damage to your buildings and/or contents, like spilling paint on a carpet, drilling through a pipe, or dropping a television. It is available for an additional premium. Without accidental damage cover, you would need to pay for these repairs yourself.
It is not necessary to purchase this optional extra in order to purchase a Home Insurance Policy.
The excess is the amount you pay towards a claim before your insurer covers the rest. Your Home Insurance Policy has a standard excess which is set out in your policy documents. You can choose to increase your excess, which reduces your premium, but make sure you can afford the excess amount if you need to make a claim. No excess applies to Home Emergency Assistance claims.
Your landlord's insurance covers the building but not your belongings. If your possessions are damaged by fire, flood, or theft, you would need to replace them at your own cost. Tenants' Contents Insurance protects against this and it includes public and personal liability cover too.
The cost depends on the value of your belongings, your address, and your claims history. Getting a quote with An Post Insurance takes just a few minutes online.
No, your landlord's insurance covers the property and any contents the landlord provides (such as furniture or appliances in a furnished rental). It does not cover your personal belongings. You need your own Tenants' Contents Policy to protect items you own like your furniture, electronics, clothing, and other personal possessions.
When calculating your contents value, only include items that belong to you, not items provided by your landlord. With Aviva, your policy also includes alternative accommodation cover if your home becomes uninhabitable due to an insured event.
If you move to a new rental property, your existing policy will need to be cancelled and a new policy set up for your new address. Contact An Post Insurance on 0818 33 33 33 to arrange this. Your contents value may also change, so it is a good time to review what you need to insure.
Yes, having an approved alarm installed and maintained in working order can qualify you for a discount on your Tenant's Contents Insurance premium with Aviva.
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. Alarm discounts are subject to minimum premium and applied consecutively.
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