Who is responsible for determining how much to insure my home for?

The amount you insure your home and contents for is known as the ‘sums insured’. The sums insured is set by you, our customer. Getting your sums insured wrong could end up being very costly if you need to make a claim.

How can I avoid under-insurance?

To avoid under-insuring your home, you simply need to review your sums insured regularly and set them to an adequate amount. Remember it’s key to insure your home for the rebuild cost and not the market value. Your rebuild cost should include any associated costs such as architect fees, debris removal and regulation fees. The Society of Chartered Surveyors Ireland SCSI’s House Rebuild Calculator provides guidance in calculating this figure. They also provide information on how to find an expert should you wish to get your home surveyed by a local chartered quantity surveyor. You will need to know the size of your house to use the calculator. Choose the appropriate house type and region and insert your total floor area. You can add the cost of a garage if applicable. You should add higher-than-average kitchen fittings, finishes, etc if appropriate. You can also add for any other outbuildings e.g., studio, office. Once you have entered all the required information, the figure generated will be a minimum base guide for rebuild costs for insurance purposes. You’ll also find some helpful information online by searching for the SCSI Guide to House Rebuilding Costs for Insurance Purposes 2021.

What factors to I need to consider when I insure my home?

There are some practical steps you can take now as a consumer: Firstly, it’s important to understand that home insurance can include two categories: covering your building(s) and the contents therein. How to estimate the cover you need for your building(s) is shown immediately above with information of estimating the value of contents covered immediately below.

How do I value my contents?

With your content, it’s important to insure them for their replacement value. Consider how much it would cost to replace them as new if they were destroyed. An easy way to estimate the value of your possessions is to go from room to room and tot up the cost to replace every item as new. Make a list of the items you would normally take with you if you sold or moved out of your home and need to be covered - not forgetting items that may be stored away out of sight.

hould I wait until renewal to adjust the value of my sums insured on my policy?

No, please don’t wait until renewal as you may not be fully protected in the event of a claim. We are advising our customers to review their home insurance policy now and amend the sums insured if necessary.

How often do I need to adjust my cover?

It’s important to update the sums your home is insured for regularly, it’s not a case of set and forget. Any updates to your home can increase the rebuild cost, as well can inflation, therefore it’s key to review your policy on a regular basis.

Family Legal Protection

Great value cover for legal costs and advice.* Get a quote *Up to a limit of €65,000. Family Legal Protection is underwritten by ARAG Legal Protection Limited.

We're Human About Insurance

Family Legal Protection is an optional extra that offers help and advice with the most common legal problems. It will pay up to €65,000 to cover the legal costs that you may incur for claims made under the policy. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you.

Family Legal Protection Benefits

Legal Support

Covers legal costs for disputes with employers (e.g. unfair dismissal), problems with goods or services, and property-related issues such as disagreements with neighbours.

Contract Disputes

Covers legal costs for disputes over the purchase of goods or service, as well as including advice on issues relating to the private sale or purchase of items, helping you resolve matters quickly and fairly.

Personal Injury

If you suffer an injury or clinical negligence, the policy covers the legal costs to pursue compensation, including cases resulting in death.

Property Protection

Even without a claim, you can access round-the-clock legal advice on any personal legal matter from qualified legal professionals.

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.

Family Legal Protection

Family Legal Protection is an optional add-on that covers up to €65,000 in legal costs for common legal issues. Get 24/7 access to a legal helpline for advice on personal legal matters - all for just €15 with your home insurance.

Get a Quote

How we Help

Family Legal Protection applies to your policy if it is shown in your Policy Schedule. Full details of the cover provided, including terms, conditions and exclusions are available in your Home Insurance Underwriter policy booklet.

24 Hour Helpline

You have access to a 24 hour helpline which will provide help and advice on any personal legal matter from a team of legal advisors.

Family Legal Defence

Provides you and your family with access to telephone legal advice, as well as defence for criminal prosecutions or certain civil actions against you as an employee.

How to Make a Claim

Have your Home Insurance policy number to hand
Phone 01 670 7470 to register your claim
From abroad: +353 1 670 7470

Notify Us Early - Contact us as soon as you become aware of a potential claim.
Legal Assessment - A solicitor will assess whether your claim has reasonable prospects of success.
Claim Acceptance - If approved, we will cover your legal costs up to €65,000.
Proceed with Your Case - We will provide legal support to help you resolve your dispute.

Top Family Legal Protection FAQs

We've gathered all the details you need to understand how Family Legal Protection cover works. Check out our FAQs to learn how it can help with legal costs and expert advice. Get the protection you need, at a price that suits you.

What is Family Legal Protection cover?

Family Legal Protection is an optional extra that offers help and advice with the most common legal problems. 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 advisors.

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.

What types of legal issues are covered?

It includes legal defence, employment disputes, contract disputes, personal injury claims, and more.

Is there a legal helpline available?

Yes, you’ll have 24/7 access to a dedicated helpline where legal professionals can provide advice on any personal legal matter. For more details and the relevant phone numbers check out your policy documentation and booklets.

How do I make a claim under Family Legal Protection?

If you need to make a claim, contact the 24-hour legal helpline for guidance on the next steps. You may be required to provide relevant documentation to support your claim.

Please refer to you policy booklet for full cover details and any terms and conditions that might apply. 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. An Post Insurance Home Insurance is underwritten by Aviva Insurance Ireland DAC.