What you gain with our Home Insurance during winter
There is an increased likelihood of fire (Christmas lights and candles), water damage (burst pipes from freezing temperatures) and theft (November highest theft rate) in winter months.
Our Home Insurance policy covers all of these perils. In addition, should your home become uninhabitable due to any insured cause on the policy, we will also cover the cost of rent or alternative accommodation up to the value of 50% of the contents sum insured. This means that if your house is flooded and you need alternative accommodation we will cover the costs.
Fire brigade charges are covered up to €3,000 should they be called to the house as a result of a fire incident.
We will automatically increase your contents by 10% for the months of December and January so should the worst happen you won’t be out of pocket.
Freezer food is covered up to €1,250 in the event of an electrical failure.
Owner's / Public Liability is covered up to €3,000,000. If a friend/neighbour is in your home and has an injury and you are found liable as the house owner, you are covered should they claim. E.g. If a person falls down stairs or a tile/Christmas decoration falls off the roof and strikes someone or their property you are covered.
*Note this cover does not apply to the customer or any member of their household.