Landlord's Insurance
Cover for Rental Properties
Get a quoteWhat is Landlord's Insurance?
Landlord's insurance is designed for people who rent out a house as a residential property. Standard Home Insurance typically does not cover rental properties, leaving landlords exposed to risks like building damage, loss of furnishings, and liability claims from tenants or visitors. Your landlord's policy covers both the building and any contents you provide as part of the tenancy. An Post Insurance searches across our panel of trusted Irish insurers and presents you with the most competitive price.
If you are renting out a furnished apartment where the building is already insured separately, see our Landlord's Contents Insurance page. If you have a holiday home that you also rent to guests, see our Holiday Home Insurance page.
What's covered in Landlord's Insurance?
Depending on your insurer and your requirements, you can choose buildings cover, or buildings and contents cover combined. Buildings-only cover is available with Allianz by calling us on 0818 22 22 22. Here is what each covers:
- Buildings Cover:
- Contents Cover: This protects the contents you provide within your rental property; anything a tenant would not bring with them, such as furniture, televisions, appliances, and other household items. It covers the landlord's own belongings only, not the tenant's personal possessions. A good approach is to calculate the value of your contents room by room to get a total replacement cost. Accidental damage by tenants is available as an optional extra with Allianz only.
If you choose Buildings and Contents Cover under your Landlord's Insurance policy, you do not need a separate Landlord's Contents Insurance policy, your contents are already covered.
| Feature | Landlord's Insurance (Buildings & Contents) | Landlord's Contents Insurance |
| Buildings cover (structure, fixtures, patios, driveways, septic tanks) | Included | Not included |
| Contents cover (furniture, appliances, tenant-use items) | Included | Included |
| Public & personal liability | Up to €3,000,000 | Up to €3,000,000 |
| Fire brigade charge | Up to €3,500 or €3,000 (insurer dependent) | Up to €3,500 or €3,000 (insurer dependent) |
| Home Emergency Assistance1 | Up to €260 per incident/3 call-outs (Aviva) or €300 per incident/4 call-outs (Allianz) | Up to €260 per incident/3 call-outs (Aviva) or €300 per incident/4 call-outs (Allianz) |
| Replacement of door locks | Up to €1,200 or a maximum of your contents sum insured (insurer dependent) | Up to €1,200 or a maximum of your contents sum insured (insurer dependent) |
| Alternative accommodation (including loss of rent) | Up to 15% of the building sum insured (subject to underwriter's approval) | Up to 15% of the building sum insured (subject to underwriter's approval) |
| Accidental damage by tenants (optional) | Available with Allianz only | Available with Allianz only |
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 €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.
Please refer to your policy booklet for full cover details. Limits, terms, and conditions are dependent on your insurer and will be outlined in your policy documents.
Is Landlord's Insurance mandatory in Ireland?
Landlord's Insurance is not a legal requirement in Ireland. However, if you have a mortgage on the rental property, your lender will almost certainly require you to have buildings insurance in place. Even without a mortgage, landlord's insurance is strongly recommended. It protects you against financial loss from building damage, furnishing costs, and liability claims, and includes support such as emergency assistance and alternative accommodation cover (including loss of rent) if your property becomes uninhabitable.
Alternative Accommodation
If your rental property becomes uninhabitable due to a covered event, your policy includes alternative accommodation cover which covers the cost of rehousing tenants and loss of rent, typically up to 15% of the insured building value, while the premises is being reinstated. This cover is subject to underwriter's approval.
What do I need to get a Landlord's Insurance quote?
Getting a quote takes just a few minutes. Before you start, have the following ready: your personal details, details about the rental property (year built, construction type, heating source, alarm details, Eircode and address), the rebuild cost of the property, the value of any contents you are providing, your claims history, and details of any tenants currently in the property. Once submitted, you will be presented with the most competitive price from our panel of insurers.
Features and Benefits
We’re proud to give customers peace of mind. Landlord's Insurance covers your rental property and protects you against incidents where you may be legally liable as the property owner.
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
Public & 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.
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.
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. Cover is available for up to €300 per incident/4 call-outs per policy year with Allianz or €260 per incident/3 call-outs per policy year with Aviva. This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
2) The 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
We value your feedback
The staff that looked after my renewal were all excellent. I was changing my car a few days before renewal and they took care of everything. They helped me with my payment (I was stressed at the time) and were so patient. Overall, very happy with the service. Janette 1st - Mar - 2026
Landlord's Insurance FAQs
Landlord's Insurance covers both the building and any contents you provide in the rental property. It is designed for landlords who own the full property.
Landlord's Contents Insurance covers only the contents like furniture, appliances, and household goods, and is designed for situations where the building is already insured separately, such as apartments in managed developments.
Both include Public and Personal Liability Cover up to €3 million.
Visit our Landlord's Insurance and Landlord's Contents Insurance pages for full details.
Accidental damage is available as an optional extra on Landlord's Insurance policies with An Post Insurance. If purchased, it covers accidental damage to the buildings and/or contents by tenants. Without this extra, accidental damage is not covered. Malicious damage by tenants is typically covered under the standard buildings section of your policy.
It is not necessary to purchase this optional extra in order to purchase a Home Insurance policy.
Yes, if your rental property becomes uninhabitable due to a covered event (such as fire or flood) and your tenants need to move out, your landlord's policy includes Alternative Accommodation Cover, which covers the cost of rehousing tenants, including loss of rent. Cover is typically up to 15% of the insured building value, subject to your underwriter's approval. To make a claim, contact your insurer's claims team directly:
Aviva: 1800 14 71 47
Allianz: 01 613 3990
Have your Home Insurance Policy Number to hand when you call.
Cover for tenant damage depends on the type of damage and your insurer. Malicious damage by tenants is covered under the buildings section of your policy with Allianz only.
Accidental Damage by tenants is available as an optional extra with Allianz only. It covers the cost of items accidentally broken or damaged by your tenants within the property.
It is not necessary to purchase this optional extra in order to purchase a policy. Refer to your policy booklet for the specific terms and exclusions.
Short-term letting cover for properties rented to guests on platforms like Airbnb is available with Allianz only. If you rent your property to short-term guests, contact An Post Insurance on 0818 22 22 22 to discuss the best option for your situation.
If the property is primarily a holiday home that you also rent to guests at times, Holiday Home Insurance may be more appropriate.
If your rental property becomes uninhabitable due to a covered event such as fire or flood and your tenants need to move out, your landlord's policy includes alternative accommodation cover. This covers the cost of rehousing tenants, including loss of rent, typically up to 15% of the insured building value while the property is being reinstated. This cover is subject to your underwriter's approval. Contact An Post Insurance on 0818 33 33 33 to discuss a claim.
Please refer to our policy booklet 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.
-(1)a36787a4-a0e3-4c39-aba1-42c32545859d.jpg?sfvrsn=e8924487_9)
