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 view https://scsi.ie/consumer/build/house-rebuild-calculator/.

Landlord's Insurance

Q: What is Accidental Damage Cover?

Accidental Damage Cover is an optional benefit available for an additional premium on home insurance plans which extends cover to include accidental events, giving rise to a loss, e.g. a large spillage on the carpet, if someone puts their foot through the ceiling. It is not necessary to purchase this optional extra in order to purchase a Home Insurance policy.

We're Human About Insurance

Your rental property is an important investment — make sure it’s protected with Landlord’s Insurance from An Post Insurance. Our cover is designed to safeguard your building and any contents you provide as part of the tenancy, while also helping you deal with the unexpected, such as alternative accommodation costs if the property becomes uninhabitable due to an insured event.

Just need contents cover for a furnished apartment? See our Landlord’s Contents Insurance.

What's covered in Landlord's Buildings & Contents Insurance?

Buildings Protection

Cover for your house structure, permanent fixtures in your property, and items such as septic tanks, patios and driveways within the boundary of your property.

Contents Protection

Get great value cover for your household belongings — and the reassurance that your rental property’s contents are protected too. Just need contents cover for a furnished apartment? See our Landlord’s Contents Insurance.

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.

Fire Brigade Services

We'll be there to help should the worst happen, covering up to €3,500 of call-out charges if the Fire Brigade Service is called to attend an insured event.

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.

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

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

Good to Know

We've gathered together all the details you need to better understand your home insurance options. Take a look at our 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?

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.

Are fire brigade charges covered by my Home Insurance Policy?

Yes, fire brigade call out charges in relation to an insured event is covered up to €3,500 or €3,000 depending on your insurer.

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.