Home Insurance Frequently Asked Questions

Home Insurance offers you peace of mind that your property and your belongings are protected should the worst happen. Home insurance protects your property and belongings against risks such as fire, theft, and weather damage.

No, buildings insurance covers the structure of your home as well as fixtures & fittings, while home insurance can also include contents insurance for your belongings.

Yes, typically home insurance covers damage to your property from fire. Always check your policy to understand exactly what your policy covers.

It may be possible to get house insurance if your property is in a flood prone area which has flooded regularly in the past. Different home insurance policies will have different levels of cover so it is important you check your policy.

Depending on the type of policy you take out, home insurance typically covers your home and belongings against loss or damage from theft, fire, storms, water damage and subsidence.

The policy excess is the amount of each claim that you will have to pay for yourself. The standard excess on the Quote Devil policy is €250 but if you choose to increase the excess there is a premium discount available. The excess in respect of subsidence €1,500.

Buildings insurance covers the cost of repair for damage or loss to the structure of your property. It covers the structure of your home, including walls, roofs, fitted kitchens, and bathrooms.

Contents insurance covers everything in your home belonging to you or belonging to members of your family permanently living with you, this would include items that you usually would take with you if you move home.

Some policies cover mobile phones, but you may need to add personal possessions cover for phones outside your home.

The value of your content should represent the total value of the possessions in your home.

Wear and tear is natural damage to a house as a result of ordinary use that occurs gradually over time. Damage caused by wear and tear is generally not covered as part of your home insurance policy.

Typically it depends on the cause—damage from subsidence may require additional cover.

Fitted Kitchens are generally covered by buildings insurance. Always check your policy to ensure you are covered.

Carpets are generally covered by contents insurance as they are considered part of your home’s contents.

Generally, specified items such as jewellery are covered for risks included in your home insurance policy at home, as well as for loss or theft while away from the home.

You can insure items outside of the home under All Risks Cover. All Risks is an optional extension of cover under your Home Insurance policy which protects you against loss or theft of, or accidental damage to, personal valuables. These may include items such as jewellery, laptops, mobile phones, bicycles and sports equipment. This cover is for both inside and outside your home. It can be added to your policy in two ways.

Specified all risks covers individual high value items you specify up to the value declared (sum insured). You will need to add these items to your quote to make sure they’re covered on your policy.

Unspecified all risks allows you to select a total amount (sum insured) that personal valuables will be covered to. You do not need to list items individually, but certain limits apply to Unspecified all risks cover, including a maximum amount payable for any one item. You will need to declare an overall value for the personal valuables you want covered while getting your quote online.

Please make sure to check the policy documents for full details of cover and terms.

Generally boiler breakdown is not covered by standard house insurance policies, however it may be possible to add on as an extra to your policy.

Accidental Damage covers unintentional incidents that harm your property or its contents. You can choose to include Accidental Damage cover while getting your home insurance quote online.

Landlord insurance protects your property and responsibilities as a landlord in the case of loss or damage to your property.

Contents insurance might be suitable to a landlord if you are renting out a furnished house.

Typically accidental damage caused by tenants is covered as part of your landlord insurance.

Landlord insurance typically covers buildings, property damage, public liability, and loss of rent.

Building insurance is generally the responsibility of the landlord.

In Ireland, landlord insurance isn’t compulsory however it can help cover costs in the case of loss or damage.

Generally no, landlord insurance does not cover tenants insurance.

If your policy includes rent guarantee cover. Please check your policy carefully.

Insuring a holiday home is slightly different to a main residence If the property is empty for more than 30 days at a time, you may require a special policy that covers prolonged periods.

All risks provides cover for items temporarily outside the home. (Possessions normally worn or carried on the person outside the home, e.g.: jewellery, items of clothing, photographic equipment. Note: Mobile phones, hearing aids, sports equipment and pedal cycles are excluded.)

For Items values over €650.00 you will need specified all risks to cover these items. A Valuation will be required for any item valued at more than €6,000. These items will NOT be covered / insured until we receive the valuation from you.

First of all, check your policy documents to see if you are covered for the accident or incident that has occurred. If so, most insurers will have a 24 hour emergency assistance team that you can call to inform them of what has happened. They will usually arrange for someone to call out and access the damage. They may also advise you of the best thing to do in the interim, as well as help you seek alternative accommodation if your home is damaged by flood or fire.

You must notify your insurer of any incident that may give rise to a claim immediately as failure to do so could result in your claim being refused.

Remember to always keep your receipts for any repair or reinstatement work as your insurer will require these to validate costs.

Your €65 discount is automatically applied to your online home insurance quote.

You should insure your home for the rebuilding cost. See the latest rebuilding costs guide provided by the SCSI.

Yes, most home insurance policies have a cooling off period. Check your policy to find your cooling off period.

You can get a home insurance quote by clicking here.

Your home may be considered “non-standard” for a number of reasons including the property construction type, the type of roof your property has or the value of your home.

If you have any difficulty getting a quote online give our team a call on 01 799 8804.

No. You can choose to insure your house with whomever you wish. If you have a mortgage you will need to have the interest of the mortgage provider noted on the policy (this can be done by entering the details online on the QuoteDevil Site)

Yes, claims can increase your future premiums.

Yes, providing documents can speed up the claims process.

Some policies cover items in transit, but you may need specialist moving insurance.

It happens when your property is insured for less than its rebuild or replacement cost.

It protects your home and belongings from financial loss due to unexpected events.

Specify them separately in your policy for full coverage.