123.ie has better Home Insurance for you…
We offer 4 types of Home Insurance options:
Includes 24/7 Home Rescue
Protect your home away from home
Protect your belongings
Protect your investment
Your Home Insurance benefits at a glance:
| Benefits | Owner Occupied | Landlord | Renter | Holiday Home |
|---|---|---|---|---|
| Clean-up expenses | ||||
| Contents in the garden | ||||
| High value items | ||||
| Public liability | ||||
| Fire brigade charges up to €2,000 | ||||
| Alternative accommodation/loss of rent | ||||
| Replacement for door locks | ||||
| Title Deeds replacement | ||||
| Visitors and guests property | ||||
| Christmas gifts cover | ||||
| Unauthorised use of credit cards | ||||
| Freezer contents | ||||
| Accidental damage to buildings | ||||
| Wedding gifts cover | ||||
| 24/7 home emergency rescue |
Find out more about our amazing Home Insurance benefits on our Benefit Hub.
Home Emergency? We’ve got you covered!
Home Rescue Line: +353 (091) 545 970. Acceptance criteria, Ts&Cs apply.
When taking out Home Insurance, it’s important to make sure you that your home is covered for the full cost of rebuilding or replacing your contents at today’s prices, otherwise you risk being underinsured. If you have any questions on underinsurance, please read our guide.
Get your Home Insurance quote today and see what you can save:
Up to 30% no claims bonus discount available for 3 years or more claims-free. No claims bonus discount applied to base premium, excluding optional extras such as specified or unspecified items risk cover. New business policies only.
Get an extra 10% off your policy if you or your spouse/ common law partner have another policy with 123.ie. Acceptance criteria, Ts&Cs apply.
You can make up to three claims per year, ensuring peace of mind whenever you face unexpected home issues and it won't affect your no claims bonus. Acceptance Criteria, Ts&Cs apply.
Why choose 123.ie as your Home Insurance provider?
With the backing of RSA who looks after millions of people worldwide, you can spend more time remembering the important things. And when you need us, we’ll always be there.
Up to 30% no claims bonus discount available for 3 years or more claims-free. No claims bonus discount applied to base premium, excluding optional extras such as specified or unspecified items risk cover. New business policies only.
Plus, get an extra 10% off your policy if you or your spouse/ common law partner have another policy with 123.ie.
Acceptance Criteria, Ts&Cs apply.
If you have an emergency in your home, we will provide a 24 hr, 365-day emergency repair service to secure your home and prevent further damage from occurring. Emergency repairs are defined as “work undertaken by an Approved Contractor to resolve the Emergency by completing a Temporary Repair”. A Temporary Repair is one that will resolve an emergency but will need to be replaced by a permanent repair.
Customer names and images may have been changed to protect their privacy. Thank you for understanding.
Jan 2024
Customer names and images may have been changed to protect their privacy. Thank you for understanding.
Jan 2024
Customer names and images may have been changed to protect their privacy. Thank you for understanding.
Home Insurance Frequently Asked Questions
Buildings insurance covers anything that you cannot usually take away with you if you move home. These include the structure of your home, domestic outbuildings, footpaths, boundary walls with any fixtures or fittings such as your kitchen, flooring etc.
You should insure your home for the amount it would cost to rebuild it and not the market value. This is called the re-instatement value. See the Chartered Surveyers website for a guide to the cost of rebuilding here.
Contents insurance, as the name implies, covers household goods and items belonging to you, to members of your household and domestic employees permanently residing with you, all in the private house and domestic outbuildings.
You should insure your contents for the amount it would cost you to replace them if they were stolen or damaged. Go from room to room and try to estimate what you would spend to replace everything. Don't forget the simple things - your linen, curtains, clothes, make up and sports equipment.
Accidental damage covers accidents that result in damage to or loss of something. For example, a spillage on your carpet or your TV is dropped. Accidental damage to buildings is included as standard on owner occupier Home Insurance while accidental damage cover for contents is an optional extra.
Yes, we offer accidental damage cover as standard under your buildings insurance for owner occupied properties.
Need more help?
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Terms and Conditions
Up to 30% no claims bonus discount available for 3 years or more claims-free. No claims bonus discount applied to base premium, excluding optional extras such as specified or unspecified items risk cover. New business policies only.
Plus, get an extra 10% off your policy if you or your spouse/ common law partner have another policy with 123.ie.
For full cover details, limits and exclusions, please refer to our Home Insurance policy booklet here.
123.ie trading as 123 Money Ltd is regulated by Central Bank of Ireland. RSA Insurance Ireland DAC provides 123.ie home insurance.
24/7 Home Rescue Included on owner-occupied properties:
Home Rescue added as standard to Home Insurance for owner-occupiers only.
If you have an emergency in your home, we will provide a 24 hr, 365-day emergency repair service to secure your home and prevent further damage from occurring. Emergency repairs are defined as “work undertaken by an Approved Contractor to resolve the Emergency by completing a Temporary Repair". A Temporary Repair is one that will resolve an emergency but will need to be replaced by a permanent repair.
With the backing of RSA who looks after millions of people worldwide, you can spend more time remembering the important things. And when you need us, we’ll always be there.