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Home Insurance Cover Summary

Policy features and benefits for buildings insurance

Buildings insurance cover summaryIncluded as standard
Cover for the structure of your home (including fixtures and fittings) against loss or damage caused by fire, smoke, lightning, explosion, earthquake, storm, flood and theft  Yes
Loss or damage caused by water or oil from a burst, leaking or overflowing pipe or domestic water or heating appliance  Yes
Buildings cover – rebuilding costs for homes worth up to €1.5 million  Yes
Accidental damage cover  Yes
Cover for tracing and accessing leaks, and repairing any damage caused to walls, flooring or ceilings during the search for a leak Up to €1,000 

Policy features and benefits for home contents insurance

Contents insurance cover summary Included as standard
Cover for your household goods, valuables, personal belongings, furniture, furnishings and domestic appliances against fire, theft, storm, water damage and vandalism Yes
Contents cover Up to €500,000
Cost of alternative accommodation if your home cannot be lived in following an event covered by your contents policy Up to 50% of the sum you have insured
New-for-old insurance cover on most items Yes
Accidental damage cover for televisions, desktop computers, cookers and other non-portable home entertainment and home electrical and gas equipment Yes
Accidental damage to mirrors, plate glass tops and fixed glass in furniture Yes
Accidental damage cover for household goods, including furniture and furnishings Yes
Contents in outbuildings or domestic garages Up to €5,000
Contents in the open (but within the boundaries of your property) Up to €1,000
Money in your home Up to €400
Fraudulent use of credit cards Up to €1,000
Fridge/freezer contents Up to €1,250
Loss of metered water/oil following accidental damage to the water or heating installation in your home Yes
Valuables or personal belongings such as jewellery, watches, works of art and clothing Limit per item of 5% of Content Sum Insured (individual items worth more than this can be covered if specified on your policy)
Away from home cover against loss or damage to valuables and personal belongings Available as an optional upgrade
Christmas increase (automatic increase from months of December and January) 10% of the sum you have insured
Wedding increase (increase for a month before and after your wedding) 10% of the sum you have insured

Talk to our agents to buy or renew your House Insurance

Call AA House Insurance 0818 227 228. If you’re calling from outside Ireland, call +353 1 6179104. Agents are available to take your call from 09.00 to 19.00, Monday to Friday

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AA Ireland Limited trading as AA Insurance is regulated by the Central Bank of Ireland.

AA Insurance is tied to RSA Insurance Ireland DAC for the purposes of selling home insurance.

For AA Breakdown call +353 1 649 7460