Holiday 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.

Keep your holiday home well protected Get a Quote Acceptance criteria, T&Cs apply, subject to a minimum premium. Discounts applied consecutively, new business customers only. Best Price available online.

We're Human About Insurance

Whether you own a holiday home for your family or rent it out to guests, it’s important to have the right cover in place. At An Post Insurance, we offer Holiday Home Insurance designed to safeguard your property and give you peace of mind, whether your home is occupied or empty.

What's covered in Holiday Home Insurance?

Owner Occupied Holiday Homes

Cover designed for holiday homes used by you, your family, or friends — protecting your property and contents when you're there or away.

Holiday Homes for Rent

Tailored protection for holiday homes you rent out to guests — covering your property, contents you provide, and your liability as the owner during short-term stays.

Features and Benefits

Your holiday home is both a place to get away to and an investment. At An Post Insurance, our Holiday Home Insurance provides a range of features & benefits to prevent the unexpected from spoiling your holiday.

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.

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. (1)

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. (2)

1) 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.
2) 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.

How we Help

Wallet-Friendly Protection

We know that everyone wants to get great value on home insurance, so we offer competitive prices and online promotions (3) to help lower the cost of cover.

Stress-Free 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.

Benefits and Bonuses

We reward existing home owners too with a no claims discount (4) 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.

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

We value your feedback

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 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.