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Why arrange My home insurance through

Home Insurance - protecting your asset

An important condition of your mortgage loan agreement is that you have adequate home insurance in place to cover you in the event of damage to your home caused by a range of events including, fire, storms, floods etc.

Having cover with a reputable insurer is one of the key features you need to consider. There are too many sad stories around not to be aware of the dangers of dealing with companies with poor claims history who fight tooth and nail to deny claims.

We are delighted to provide you with  top class policies arranged through either
Aviva (Ireland's largest insurer and
Zurich ( another Major Irish insurer and part of Zurich Group who operate in 170 countries worldwide.
We will compare offers from our providers to ensure you are receiving value for money

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What is the standard cover provided under the scheme

Our Aviva Home Choice cover has range of benefits

Home Insurance Standard cover


Buildings cover

This covers both buildings and other permanent fixtures, such as: 

·                          Outbuildings

·                          Fixtures and fittings

·                          Interior decorations

·                          Fences and walls

How much buildings cover should I choose?

The amount of cover you choose, or the sum insured, is very important and often misunderstood.

You should base this on the rebuilding cost of your home, not the market value.

Contents cover

Contents cover can be expensive. It is important to remember that most fittings ( kitchen etc) are included as part of buildings insurance and contents generally refer to other movable items such as furniture etc. 

How much contents cover should I choose?

You have a choice of two options:

Contents cover as a percentage of buildings cover

Choose a % of your building insurance amount

For example, if your buildings are insured for €200,000 and you choose the 30% option, you'll get €60,000 contents cover.

Or Individual contents cover

This represents the total value of all your contents, as a separate sum . You make a detailed list and provide for replacement cost.

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What benefits are provided at no extra cost


A full range of benefits at no extra cost, to keep you protected when you need it most

Christmas and weddings

We'll automatically increase your contents cover for free over Christmas or when there's a wedding in your immediate family.

Your sum insured goes up by 10% for the month of December, and for 30 days before and after the wedding of any immediate family member. Just let us know when there's a wedding coming up.

Credit and debit cards

If your credit or debit cards are lost or stolen and you have to pay a bill as a result, we'll refund you up to €650.

Visitors' belongings

We'll pay up to €400 for loss or damage to your guests' personal belongings.

Title deeds

We'll pay up to €1,000 to replace title deeds lost or damaged in your home or when lodged with a bank or solicitor.

Fire brigade charges

If the fire brigade charges for a call out to a fire, we'll pay up to €1,500.

Frozen food

We'll pay up to €650 to cover the cost of replacing food damaged in your domestic freezer, if caused, for example, by a leakage of refrigerant.

Jury service benefit

We'll pay a benefit of €40 per day or part day that you or your partner are called to jury service, up to a total of €650, with no loss of your no claims bonus.

Death benefit

If either you or your partner dies from an injury received in your home caused by a fire, violence related to a theft or an accident, we'll pay a death benefit of €3,300.

If your cat or dog is killed by an insured fire or break-in, we'll pay up to €260 for the loss of your pet. We'll also pay your pets' kennel or cattery fees if your home is damaged and you're forced to find temporary accommodation.

Providing alternative accommodation

If fire, damage or another insured event means you cannot live in your home, we'll pay for the cost of other accommodation for you and your family until you can safely return, up to 15% of the buildings and contents sums insured on your policy.

Replacing door locks

If the keys to your home are stolen in a personal assault or break-in, we'll pay up to €400 to cover the cost of replacing:

·                          Outside door locks

·                          Locks on domestic safes

·                          Alarm keys

Reinstating your buildings or contents cover

If you make any claim under your policy, we'll automatically continue to insure you for the same amount we provided cover for before the claim.


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What extra discounts are available


You could be eligible for a discount on your home insurance premium

Please refer to your policy and schedule for details of your cover, as specific terms, conditions and product benefits may apply to your policy.

Discounts available

·                          15% off if you have an approved house alarm that's monitored 24 hours a day

·                          10% off if you have an approved alarm that is not monitored

·                          5% off if you have another policy with Aviva in Ireland

·                          Between 3.5% and 11% off  if you choose a policy excess  > €275

No claims discounts

                           Up to 40% no claims  discount

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What optional cover is available

Optional cover


Accidental damage cover

This covers you for accidental damage to both your buildings and contents in your home.

Extra cover for items

This covers certain items while you're away from home, including:

·                          Jewellery

·                          Watches

·                          Cameras & binoculars

·                          Bicycles & sports equipment

You can choose to add extra cover for unspecified items for:

·                          €5,000 (with a single article limit of €1,500)

·                          €7,500 (with a single article limit of €2,500)

·                          €15,000 (with a single article limit of €3,500)

Or, you can cover individual items, each for a specific amount you have asked for.

Help in a home emergency

Our free homecall helpline is available as standard, but help in a home emergency goes further:

·                          Cover for storm or accidental damage to roof, windows and doors

·                          Cover for the cost of callout, labour and materials for emergency repair (up to €130 per incident or €260 for broken window glass)

·                          Access to a 24-hour comprehensive emergency service

·                          Available for just €25 on top of your home insurance premium

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