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Frequently Asked Questions
What is Buildings Insurance?
Buildings insurance covers anything that you usually cannot take away with you if you move home such as kitchen units, fitted wardrobes, flooring etc. Buildings also include domestic outbuildings such as private garages, drives, patios, terraces, walls, gates fences and fixed fuel tanks.
How much should I insure my house for?
You should insure your home for the amount it would cost to clear your site and rebuild it. This is called the reinstatement value. When contacting us for a quotation, make sure you have the correct value for the rebuild cost or the square footage so that you won’t over or under insure your home.
What is Contents Insurance?
Contents Insurance covers household goods and personal property within the home, which are your property or which you are legally liable for.
What is accidental damage?
Accidental damage covers accidents that result in damage to, or loss of property. An example of this would be if you dropped your TV or accidentally spilt a tin of paint over your carpet.
What is All Risks Cover?
All risks cover is an optional extra that covers personal effects such as jewellery against loss, damage or theft outside your home. This can be done on a specified or unspecified basis.
This varies considerably from Company to Company and also depending on the specific peril which is being claimed for. For example, the excess for water damage can be up to €1000.
Under a house policy additional items such as bicycles, caravans, home office, freezer food can be included.
Warranties and Exclusions?
The majority of house policies would have warranties and exclusions. Particular care should be taken of these as they may impact following an incident.