Dundalk Branch: 042-9359000
Navan Branch: 046-9021855
Monaghan Branch: 047-64998
Homepage > Skip Navigation LinksHome Insurance > Home Contents Insurance

Home Contents Insurance

Contents Insurance will cover anything that you would take with you when you move house

Household Goods – furniture, carpets, kitchen and other appliances, TVs, Radios, Books, Ornaments. This extends to include tenants fixtures, fittings and interior decorations.

Personal Effects – clothes, articles of a strictly personal nature likely to be worn used or carried and portable TVs, sports equipment and pedal cycles. It does not include valuables or money.

When you value your belongings, you would normally define a specific “sum insured”. The sum insured is the maximum that the insurer will pay out. If it is too little, it is likely that your claim will not be paid in full. However, if it were too high, the premium would be overly expensive.

Make sure that you do not Under-Insure

To work out your correct sum insured, you should go from room to room with a notebook and write down what it would cost to replace everything in each room. This figure should also include all the fittings such as light fixtures and curtains.

Do keep in mind that if you have antiques, curios and expensive paintings, you should have them valued separately and noted separately on your insurance policy schedule.

Most home contents insurance policies will even cover the contents of your fridge and freezer.

Your home contents insurance policy covers loss or damage to your contents in the building by the following causes:

  • Fire, Explosion, Lightening, Earthquake
  • Liability to Domestic Employees
  • Smoke
  • Escape of water or oil from any fixed water or heating installation or domestic appliance
  • Impact involving an aircraft, aerial device or anything falling from them
  • Falling trees or branches
  • Falling aerials, satellite aerials, their fittings or masts
  • Riot, civil commotion, strike, or political disturbance
  • Malicious persons or vandals
  • Storm or Flood
  • Subsidence or Heave of the site beneath the buildings or landslip
  • Stealing or attempted stealing
  • Contents Temporarily Removed from the Home while anywhere in Ireland, UK for an amount not exceeding 15% of the contents sum insured.