{"id":959,"date":"2017-02-03T14:29:51","date_gmt":"2017-02-03T14:29:51","guid":{"rendered":"https:\/\/www.ccpc.ie\/consumers\/?page_id=959"},"modified":"2021-07-05T16:41:58","modified_gmt":"2021-07-05T15:41:58","slug":"home-insurance","status":"publish","type":"page","link":"https:\/\/www.ccpc.ie\/consumers\/housing\/home-insurance\/","title":{"rendered":"Home insurance"},"content":{"rendered":"<div data-post-id=\"955\" class=\"insert-page insert-page-955 \"><p>Home insurance is an insurance policy that, depending on your level of cover, can protect you against risks to your home and its contents, such as fire, water damage and theft. You are not legally obliged to take out home and contents insurance, but if you have a mortgage, your lender can insist that you have buildings insurance. This will ensure you are covered for rebuild costs if your home is destroyed, for example in a fire.<\/p>\n<div class=\"responsive-tabs\">\n<h2 class=\"tabtitle\">Home insurance<\/h2>\n<div class=\"tabcontent\">\n\n<p>Even if you don\u2019t have a mortgage as you own your home outright, home insurance will protect you financially in the event of burglary, fire or other damage.<\/p>\n<p>Home insurance is usually sold as a single policy that can include:<\/p>\n<ul style=\"list-style-type: square;\">\n<li>buildings insurance, which covers you for damage to buildings<\/li>\n<li>contents insurance, which covers you for loss or damage to the contents of your home<\/li>\n<li>all-risks cover, which covers you for loss or damage to valuables (even when outside your home)<\/li>\n<li>liability insurance which covers you for injury to other people in or around your home<\/li>\n<\/ul>\n<div id=\"accordion-1\" class=\"accordion no-js\"><\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t1\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c1\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tChoosing a policy\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c1\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>There are many home insurance policies to choose from. There are also considerable differences between these policies in terms of cost and the level of cover they offer.<br \/>\nThere are a number of ways you can search for a policy:<\/p>\n<ul style=\"list-style-type: square;\">\n<li>Contact insurance companies directly and get a quote. Contacting individual companies directly may take time, but you will be able to get quotes from all of the insurance providers in the market.<\/li>\n<li>Use comparison sites to compare quotes from a number of different insurance companies. Using comparison sites is considerably quicker, but not all insurers may be included in the comparison, and it could be more expensive than a direct quote.<\/li>\n<li>Use an insurance broker to get the best quote for you. Using a broker may not get you a lower quote and they may not work with all insurers. However, you can discuss your needs in detail and get a more tailored service.<\/li>\n<\/ul>\n<p><div class=\"toptip\"><\/p>\n<h3>Top Tip<\/h3>\n<p>If you extend or improve your home, you may need to increase the buildings cover on your policy.<\/p>\n<p><\/div><\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t2\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c2\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tCosts and discounts\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c2\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>The \u2018premium\u2019 is the amount you pay for your insurance cover. Your home insurance premium depends on three main factors:<\/p>\n<ul style=\"list-style-type: square;\">\n<li>The amount you insure your home for and whether you also insure your contents. The greater the insured value of your buildings and contents, the higher your premium will be.<\/li>\n<li>The location of your home. Insurers may charge more for homes in areas where there is a high rate of burglary or areas prone to flooding. City home owners usually pay more than rural home owners because there are more burglary claims in urban areas. However, if you have security features, you may get a discount.<\/li>\n<li>The type of cover you choose and any discounts you might be entitled to. Insurers offer various discounts, which can reduce your premium.<\/li>\n<\/ul>\n<p>When you buy insurance, it is important to remember that the policy with the lowest premium is not always the best. It is essential to read the policy details to see what\u2019s covered before you sign up.<\/p>\n<p>If you have other insurance products such as <a href=\"https:\/\/www.ccpc.ie\/consumers\/money\/insurance\/gadget-insurance\/\">gadget insurance<\/a>, you may find that the items are also covered by your home insurance policy. Make sure you are not doubling up on insurance cover with different policies.<\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t3\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c3\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tWhat discounts can I get?\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c3\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>Depending on the provider, you may get a discount if:<\/p>\n<ul style=\"list-style-type: square;\">\n<li>you have made no previous claims or have made no claims in the past three years<\/li>\n<li>the person applying is over 40, or in some cases over 50<\/li>\n<li>there is somebody over 50 living in the house<\/li>\n<li>the residents of the house are non-smokers<\/li>\n<li>a resident is usually in the house during the day<\/li>\n<li>the house has an alarm (you may get an extra discount if it is monitored)<\/li>\n<li>you have a smoke detector installed<\/li>\n<li>you have security locks fitted on doors and windows<\/li>\n<li>you have another insurance policy with the same company<\/li>\n<li>your house is in a neighbourhood watch area<\/li>\n<li>the house is more than 10 years old<\/li>\n<\/ul>\n<p>You can use our home insurance checklist to help you make note of costs, benefits and discounts when getting quotes.<\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t4\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c4\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tRestrictions and exclusions\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c4\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>These are events or situations that are not covered by your insurance policy. While standard exclusions are contained in every policy, specific exclusions and restrictions will vary across insurers \u2013 so check before you sign up.<\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t5\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c5\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tExcess\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c5\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>The\u00a0excess\u00a0is the amount that you will have to pay towards any claim before your insurer pays the balance. Your insurer will reduce any claim settlement by the amount of the excess stated on your policy. You cannot claim for an amount less than the excess.<\/p>\n<p>The amount of the excess can depend on the insurer, but normally it is between \u20ac100 and \u20ac500 for standard claims on a home insurance policy.\u00a0The excess for subsidence claims is usually higher. You can often get a discount on your premium if you agree to a higher excess.<\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t6\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c6\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tAvoid being underinsured\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c6\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>Under-insurance is when you insure your home, or its contents, for less than the cost of:<\/p>\n<ul>\n<li>Rebuilding your home<\/li>\n<li>Repairing your home<\/li>\n<li>Replacing its contents<\/li>\n<\/ul>\n<p>If you have to make an insurance claim, you may not be fully covered for your losses. The main cause of under-insurance is the increased cost of rebuilding your house, this is largely due to the price of building materials going up.<\/p>\n<p>Example:<\/p>\n<p>John and Aoife\u2019s home insurance is up for renewal. Their house would cost \u20ac200,000 to rebuild however their existing home insurance cover is for \u20ac150,000 which is only 75% of the rebuild cost.<\/p>\n<p>If they were to make a claim on their existing policy the maximum pay-out would be \u20ac150,000. In the event that John and Aoife would need to rebuild their home they would need to make up the shortfall of \u20ac50,000.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 25%;\">Rebuild cost<\/td>\n<td style=\"width: 25%;\">Insured for (%)<\/td>\n<td style=\"width: 25%;\">Max claim settlement<\/td>\n<td style=\"width: 25%;\">Shortfall<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%;\">\u20ac200,000<\/td>\n<td style=\"width: 25%;\">\u20ac150,000 (75%)<\/td>\n<td style=\"width: 25%;\">\u20ac150,000<\/td>\n<td style=\"width: 25%;\">\u20ac50,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>You should review the level of buildings and contents cover you need on a regular basis, when renewing your insurance, especially if you have extended your home, made renovations such as an attic conversion, home office etc. During times of high inflation and\/or increased cost of living you should check the re-build costs during your existing policy.\u202fTalk to your home insurance provider about the right level of cover for you. Many insurance companies automatically increase the amount of your buildings and contents cover when they renew your policy each year. This is called indexation. It helps you to avoid being under-insured as it increases the cover you have in line with inflation..<\/p>\n<p>You can use the Society of Chartered Surveyors Ireland\u2019s free <a href=\"https:\/\/scsi.ie\/consumer\/build\/calculator\/\">House Rebuild Calculator<\/a> to estimate your rebuild cost, or get a property valuation service to value the cost of rebuilding your home.<\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p>\n\t\t\t\t\t<h3 role=\"button\" id=\"accordion-1-t7\" class=\"accordion-title js-accordion-controller\" aria-controls=\"accordion-1-c7\" aria-expanded=\"false\" tabindex=\"0\">\n\t\t\t\tMaking a claim\t\t\t<\/h3>\n\t\t\n\t\t<div id=\"accordion-1-c7\" class=\"accordion-content\" aria-hidden=\"true\">\n\t\t\t<\/p>\n<p>If you find yourself in a position where you need to make a claim on your insurance, you can find a\u00a0<a href=\"https:\/\/www.ccpc.ie\/consumers\/money\/insurance\/making-an-insurance-claim\/\">step by step guide<\/a>\u00a0here to help you.<\/p>\n<p><div class=\"toptip left\"><\/p>\n<h3>Top Tips<\/h3>\n<ul>\n<li>An insurance company cannot refuse to pay a claim when the consumer makes a genuine mistake and gives inaccurate or incomplete information in the application process. However, where the consumer gives fraudulent information in the application process, the insurance company can cancel the policy and avoid paying a claim.<\/li>\n<li>An insurance company cannot automatically refuse a claim on the basis that the claim was not notified to them within the timeframes set out in the policy document, if it does not negatively impact them.<\/li>\n<\/ul>\n<p><\/div><\/p>\n<p>\t\t<\/div>\n\n\t\t<\/p>\n<p><\/div>\n\n<\/div><h2 class=\"tabtitle\">Buildings insurance<\/h2>\n<div class=\"tabcontent\">\n\n<p>Buildings insurance covers anything you cannot take away with you if you move house. It usually includes:<\/p>\n<ul style=\"list-style-type: square;\">\n<li>the structure of your home such as the roof, walls, windows, ceilings and doors<\/li>\n<li>permanent fittings such as tiled or hardwood floors, bathroom fittings and fitted kitchens.<\/li>\n<li>garages or outbuildings such as a garden shed or a farm building<\/li>\n<li>garden walls, gates and fences<\/li>\n<\/ul>\n<p>If your home is destroyed or you can\u2019t live in it, your buildings insurance will usually pay for the cost of having to move out or rent another home.<\/p>\n<section class=\"prosconswrap\">\n<section class=\"row\">\n<section class=\"col-md-6 col-sm-6\">\n<section class=\"pros\">\n<h5>Usually covered under a buildings policy: damage caused by<\/h5>\n<ul>\n<li>fire, explosion, lightning, or earthquake<\/li>\n<li>flooding, storm and subsidence (the ground moving underneath the building), with some restrictions<\/li>\n<li>riot, vandalism, or other violent act<\/li>\n<li>burglary or attempted burglary that results in damage to your home or its fixtures and fittings<\/li>\n<li>water or oil escaping from a fixed appliance in your home such as burst pipes or a burst water tank<\/li>\n<li>vehicles or animals damaging buildings, walls, gates or fences<\/li>\n<li>falling trees and branches<\/li>\n<\/ul>\n<\/section>\n<p><!--\/endpros--><\/p>\n<\/section>\n<p><!--\/col-sm-6--><\/p>\n<section class=\"col-md-6 col-sm-6\">\n<section class=\"cons\">\n<h5>Not usually covered under a buildings policy: damage caused by<\/h5>\n<ul>\n<li>storms affecting gates and fences<\/li>\n<li>flooding or subsidence if your home is in an area where this is likely to happen<\/li>\n<li>acts of terrorism<\/li>\n<li>wear and tear in the structure or the inside of your home, for example roof damage or water damage caused by a leaking shower<\/li>\n<li>someone working in your home \u2013 you can only claim for this damage if the person who has caused it has their own public liability insurance<\/li>\n<li>you are not covered for any claim that is less than the excess on your policy<\/li>\n<\/ul>\n<\/section>\n<p><!--\/endcons--><\/p>\n<\/section>\n<p><!--\/col-sm-6--><\/p>\n<\/section>\n<section class=\"\"><\/section>\n<\/section>\n<div class=\"toptip left\">\n<h3>Top Tips<\/h3>\n<ul>\n<li>You should insure your home for the amount it would cost to rebuild it. This is different to the market value of your home, which is the amount you would get if you sold it. You can get details of current rebuilding costs from the <a href=\"https:\/\/scsi.ie\/consumer\/build\/calculator\/\">Society of Chartered Surveyors<\/a>.<\/li>\n<li>It is important to make sure that you do not insure your home for too much or too little. If your home is insured for too little, your policy might not pay out enough to cover the cost of repairing or rebuilding your home if it is damaged or destroyed. If it is insured for too much, your premium will be higher than necessary, and you will not get any extra benefit if you have to claim, as you are only covered for the actual cost of rebuilding or replacing contents.<\/li>\n<\/ul>\n<\/div>\n<p>If you live in an apartment and pay management fees, buildings insurance is usually covered within the fees. But you should still think about taking out your own contents insurance policy if you live in an apartment.<\/p>\n\n<\/div><h2 class=\"tabtitle\">Contents Insurance<\/h2>\n<div class=\"tabcontent\">\n\n<p>This covers the moveable objects in your home, including some flooring. It can be a separate policy from buildings insurance, or it can be combined with buildings insurance in a single home insurance policy. If you do not own your home, for example if you are renting, you should still think about insuring the contents of your home.<\/p>\n<section class=\"prosconswrap\">\n<section class=\"row\">\n<section class=\"col-md-6 col-sm-6\">\n<section class=\"pros\">\n<h5>Usually covered under a contents policy<\/h5>\n<ul>\n<li>loss of or damage to items on a \u2018new-for-old\u2019 basis (up to certain limits)<\/li>\n<li>accidental damage to household equipment, for example, a TV or stereo \u2013 you may have to pay a higher premium for this benefit<\/li>\n<li>loss of, or damage to, items you temporarily remove from the house, for example, when you move house; usually this does not include glass and fragile objects<\/li>\n<li>food that has spoiled in a fridge or freezer because of a power failure or the fridge or freezer breaking down<\/li>\n<li>cash stolen from your home, up to a certain limit (the policy may also cover money spent on debit or credit cards stolen from your home)<\/li>\n<li><a href=\"https:\/\/www.ccpc.ie\/consumers\/housing\/home-insurance\/#liability\">liability insurance<\/a><\/li>\n<\/ul>\n<\/section>\n<p><!--\/endpros--><\/p>\n<\/section>\n<p><!--\/col-sm-6--><\/p>\n<section class=\"col-md-6 col-sm-6\">\n<section class=\"cons\">\n<h5>Not usually covered under a contents policy<\/h5>\n<ul>\n<li>any loss or damage that happens when you have left your home empty for a set time, usually more than 30 days<\/li>\n<li>money or valuables stolen from your home if your home was not properly secured<\/li>\n<li>deeds, bonds, bills of exchange, promissory notes (contract of money), cheques, stamps, documents of any kind, manuscripts, medals and coins<\/li>\n<li>motor vehicles and accessories<\/li>\n<li>damage caused by wear and tear<\/li>\n<li>personal belongings that are usually carried outside the home, unless you have specified them<\/li>\n<li>you are not covered for any claim that is less than the <a href=\"https:\/\/www.ccpc.ie\/consumers\/money\/jargon-buster\/#excess\">excess<\/a> on your policy<\/li>\n<\/ul>\n<\/section>\n<p><!--\/endcons--><\/p>\n<\/section>\n<p><!--\/col-sm-6--><\/p>\n<\/section>\n<section class=\"\"><\/section>\n<\/section>\n<p>You should insure your contents for the amount it would cost you to replace them if they were stolen or damaged. It is worth taking the time to calculate these costs so that you insure your contents for the correct amount. This is important because your policy may have an \u2018average clause\u2019. For example, if you only have insurance cover of 75% of the value of your contents, in the event that you have to make a claim, your insurer would only pay out 75% of the amount of your claim. Download our <a href=\"https:\/\/www.ccpc.ie\/consumers\/wp-content\/uploads\/sites\/2\/2017\/04\/Home-insurance-contents-checklist.pdf\">home insurance contents checklist<\/a> to help you estimate the value of the contents of your home.<\/p>\n<p>Check whether the contents of your garage or shed are covered under your policy and include them in your calculations if they are. Make sure to also include the cost of replacing carpets and curtains.<\/p>\n<p>There is usually a limit on the value you can claim for any individual item, so you may need to list certain valuable items, such as jewellery or antiques, separately on your contents policy.<\/p>\n<h2>All-risks cover<\/h2>\n<p>This is an optional extra under most home insurance policies and protects you against loss, theft or accidental damage to personal valuables such as jewellery, both inside and outside the home. It will also usually cover items taken abroad for up to 60 days. You may have to pay extra for all-risks cover, depending on your insurer. If you make a claim, your insurer may choose to either:<\/p>\n<ul>\n<li>give you the cash value of the item or,<\/li>\n<li>pay to repair or replace it<\/li>\n<\/ul>\n<p>There are two types of all-risks cover:<\/p>\n<ul style=\"list-style-type: square;\">\n<li>You can choose an overall value for \u2018unspecified items\u2019 without having to list each one. For example, you could ask for \u20ac5,000 unspecified items cover. Most policies have an upper limit on the value you can insure each unspecified item for \u2013 this is the maximum amount you can claim for any one unspecified item. For example, a single item limit of \u20ac1,000 will only pay that amount for any article stolen or damaged, regardless of its value.<\/li>\n<li>If you have items worth more than your insurer\u2019s single item limit, you should think about listing the items you want covered and their value, also known as specified cover.<\/li>\n<\/ul>\n<h2>Liability insurance<\/h2>\n<p>Most home insurance policies include liability cover up to certain limits. This means that your policy would cover costs, expenses or fees that you could be legally liable to pay in particular instances. For example:<\/p>\n<ul style=\"list-style-type: square;\">\n<li>Someone visiting your home, or an employee (such as a tradesman or childminder) has an accident, gets ill, is injured or dies, and it was proven that you were at fault. Some policies also include damages that you are liable for, but that happen outside your home. For example, if you accidentally injure someone with a golf ball, or your dog causes injury to a person or damage to their property.<\/li>\n<li>Accidental damage to someone else\u2019s belongings because of something you do or fail to do.<\/li>\n<\/ul>\n<div class=\"toptip left\">\n<h3>Top Tips<\/h3>\n<ul>\n<li>You should always check that someone working on your home has their own public liability insurance. If they damage your home, it might not be covered by your own insurance.<\/li>\n<li>Always check your own policy before you make any personal pay-outs for repairs, replacements or compensation. You may be entitled to make a claim, instead of having to pay yourself.<\/li>\n<\/ul>\n<\/div>\n\n<\/div><h2 class=\"tabtitle\">Renewals<\/h2>\n<div class=\"tabcontent\">\n\n<p>When was the last time you reviewed your home insurance? Typically, you renew your home insurance every year, so you should shop around before you renew to make sure you are getting the best deal. Your insurance company must send you a renewal notice at least 20 days before your renewal date and include the following:<\/p>\n<ul style=\"list-style-type: square;\">\n<li>the premiums paid for the policy in the previous five years, and<\/li>\n<li>a list of any claims, including third party claims, paid by the insurer to the consumer or to a third party\/parties, in the previous five years<\/li>\n<\/ul>\n<p>It is the responsibility of the insurance company to ask all relevant questions in the application process so they get all the information required. These questions must be in plain language and easy to understand. You are required to answer all questions fully and honestly.<\/p>\n<h2>When might I need to review my home insurance cover?<\/h2>\n<ul>\n<li>you have new valuables such as an engagement ring, paintings or expensive electronic equipment that need to be insured separately<\/li>\n<li>you got a home extension or conversion since you last renewed your home insurance<\/li>\n<li>the cost of rebuilding your home has increased or decreased<\/li>\n<li>you underestimated or overestimated the value of your\u202fcontents or the cost to rebuild your home<\/li>\n<li>you moved home or are due to move soon<\/li>\n<li>you bought a second home<\/li>\n<li>you let your original policy lapse<\/li>\n<\/ul>\n<h2>How much does it cost and how can I save money?<\/h2>\n<p>Read our section on <a href=\"https:\/\/www.ccpc.ie\/consumers\/money\/insurance\/home-insurance\/#costs-discounts\">home insurance costs and discounts<\/a> in the first tab of this page to make sure you get the best value. When you are looking for quotes, use our handy home <a href=\"https:\/\/www.ccpc.ie\/consumers\/wp-content\/uploads\/sites\/2\/2017\/04\/Home-insurance-shopping-around-checklist.pdf\">insurance shopping around checklist<\/a>.<\/p>\n<h2>Things to do when switching to a new provider<\/h2>\n<ul style=\"list-style-type: square;\">\n<li>notify your current insurance company in writing that you wish to cancel your policy<\/li>\n<li>if you are currently paying by direct debit, make sure you contact your bank and cancel your direct debit<\/li>\n<li>complete any paperwork requested by your new insurance company<\/li>\n<\/ul>\n<p>If you change your mind after switching, you have a 14-day cooling-off period from the start of the contract, during which time you can cancel the contract and get a full refund.<\/p>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>You are not legally obliged to take out home insurance but if you have a mortgage, your lender can insist that you have buildings insurance so that you can afford to rebuild your home if it is destroyed.<\/p>\n","protected":false},"author":178,"featured_media":0,"parent":12137,"menu_order":23,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"tags":[18,19,8],"class_list":["post-959","page","type-page","status-publish","hentry","tag-housing","tag-insurance","tag-money"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - 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