A Summary of our Home Insurance Benefits

	Owner Occupier	Landlord	Renter	Holiday Home
Home Rescue - offers year-round access to a 24 hour temporary emergency repair service to secure your home and prevent further damage
High Risk Items – Totals and Single Item Limits    Main Private Dwelling: 50% of the Contents Sum Insured in total with a single item limit of 10% of the Contents Sum Insured.    Residential Investment/Tenanted Properties or Holiday Homes: 20% of the Contents Sum Insured in total with a single item limit of 10% of the Contents Sum Insured.
Fire Brigade charges up to €2,000 - We will pay the cost of charges for fire brigade attendance up to €2,000
Public liability - Includes cover of liability to others up to a maximum of €3,000,000
Replacement of door locks up to €700 - We will pay the cost of replacing external door locks for your home due to a break-in.
Freezer contents up to €2,000 - If your domestic freezer breaks down.*
Fraudulent use of credit cards - We pay up to €1,000 as a result of claims resulting from a loss of credit, debit, charge, cheque or cash card.*
Accidental damage to buildings - We will pay for accidental damage to your property (this does not apply to contents only policies)
Clean-up expenses - Expenses incurred to clean up any escape of oil from a domestic appliance up to €2,000.
Title Deeds Replacement - Covers the cost of replacing title deeds to your home up to €700.*
Contents in the open - Covers the loss or damage to items within the boundaries of your property up to €700.*
Visitors and guests property - Covered up to €700.*
Christmas Gifts Cover - Automatically increases your contents cover by 10% over the seasonal period.*
Wedding Gifts Cover - Automatically increases your contents sum insured by 10% one month before and after your wedding day.*
Alternative accommodation/Loss of Rent        Owner Occupier: If your house becomes uninhabitable, we will cover the cost up to 15% of the buildings sum insured. Landlord: If your house becomes uninhabitable, we will cover loss of rent up to 15% of the buildings sum insured. Renters: If your house becomes uninhabitable, we will cover the cost up to 15% of the contents sum insured.
Accidental Damage for ContentsOptional - Accidental damage for contents is an optional extra available on our Home Insurance policies. This can be added on for an additional premium, when setting up or renewing your policy or within your 14-Day cooling off period. It is not available on Landlord Insurance. Incidents such as knocking a television from a wall bracket or unintentionally spilling paint on your sofa would be covered.*
All RisksOptional - All risks cover is an optional extra on your contents insurance, to cover certain items for loss, damage or theft, when they are outside of the home. This includes worldwide cover for up to 60 days in each policy year. All risks cover is available to add on for renters and for owner occupied properties. For further information, please click here.*

* These benefits do not apply to buildings only cover. Limits and exclusions apply, for full cover details please refer to the policy booklet.

For full details of cover, please refer to your policy pack, which was issued to you when you purchased or renewed your policy. Our current policy booklet can be found here.