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Whether you're looking to talk about insurance or need some advice on insurance products, we are here to help.

COUNT ON O'CALLGHAN INSURANCES FOR YOUR HOME INSURANCE

Whether you're at home or away on holidays, you can depend on good advice and a home insurance policy from O' Callaghan Insurances. This will help protect your biggest asset, your belongings and indeed yourself - against possible exposure to personal liability as a householder.

What is covered by home insurance?

Your Home Insurance will pay for the replacement of your home or personal property if it is damaged or destroyed and the replacement of any stolen property. Keep in mind that some policies do not cover damage caused by flood.

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FIRE, LIGHTNING AND STORM DAMAGE

Your home insurance policy protects you against loss from the most widely feared of all hazards - fire. It also covers a wide range of weather related damage including lightning and storms as well as losses resulting from other natural causes. Your policy protects against the following losses:

  • Fire damage to your home
  • Damage caused by the water and/or foam used to extinguish the fire
  • Fire damage to trees, shrubs, plants, lawn or boundary walls and fences
  • Smoke damage
  • Falling trees
  • Damage due to weight of ice or snow

Home insurance can help repair your house and freestanding structures (garage, tool shed, etc.) if damaged is caused by lightning, storms, hail, vandalism, vehicles, or fire. It can also help pay for alternative accommodation for you and your family while repairs are in progress.

PROTECTION FROM EQUIPMENT FAILURES, FALLING OBJECTS AND STRUCTURAL FAILURES

Damage to your home or its contents could result from equipment failures, electrical problems, falling objects, vehicles, structural collapse, or any number of other causes. Your policy protects you against many of these losses including:

  • Frozen pipes or heating system
  • Bursting of pipes or heating system
  • Explosion of a boiler
  • Hot water system rupture or burning
  • Damage to appliances caused by a surge in electricity
  • Glass and window breakage
  • Falling objects
  • Damage by vehicles
  • Collapse of roof or walls

PROTECTION FROM THEFT

No neighbourhood is safe from crime these days. Whether you have an alarm system or not, it is reassuring to know that your home insurance policy is there to protect you against loss from theft, burglary, robbery, and other crime related causes. Your policy also covers losses from:

  • Vandalism and malicious mischief
  • Credit card theft or loss
  • Riot, civil commotion and looting

PERSONAL LIABILITY

If guests are injured on your property, home insurance helps protect you from the potential cost of paying for their medical bills. It can also help cover injuries you cause away from home (as long as they're accidental). In both situations, insurance kicks in where you are deemed legally liable and negligent.

DISCOUNTS ON YOUR HOME INSURANCE POLICY

You can often get savings and discounts just for having common-sense items like deadbolt locks and smoke alarms.

Here are a few other discounts that may apply to you:

  • Alarm System connected or not connected to central station
  • Smoke Detectors
  • Over 50s discount
  • No Claims Bonus
  • Multi-Policy discount

Cost of Home Insurance

Considering the potential cost of replacing all your valuables or even your entire house, buying home insurance is always a wise investment.

Home insurance rates vary depending on some of these main factors:

  • The age of your house
  • Your address - particularly whether you are in a flood zone
  • Your claims history
  • Your sums insured

Why you can rely on O'Callaghan Insurances

We are proud to say we were established in 1962 by Leo O’Callaghan. The business, run by Caeva O'Callaghan, now employs over 50 people across our three branches in Dundalk, Navan and Monaghan. Each policy includes 24/7 customer service that you can count on 365 days a year, as well as payment by installment options together with home/car insurance discounts built in to save you money. When you need us most, you can count on O’Callaghan Insurances to be there.

House Insurance review by OCI.ie customer Don McDonough.

OUR CUSTOMERS SAY

"..O’Callaghan Insurances have been looking after my personal insurance for decades. Prompt and friendly service. They shop around for me at every renewal and often recommend a change of insurer.."

Don McDonough

YOUR LOCAL HOME INSURANCE SPECIALIST

Debbie Brady - Home Insurance Agent

DEBBIE BRADY

NAVAN

Stephanie Coburn - Home Insurance Agent

STEPHANIE COBURN

DUNDALK

Edel Durkin - Home Insurance Agent

EDEL DURKIN

MONAGHAN