HOME INSURANCE

Home Insurance is an insurance policy that can offer cover for your home & contents. Taking out a policy can help save your money in the long run as it ensures you won’t have to pay out of pocket for damages or stolen contents

Our home insurance protects you against loss or damage to your Buildings and/ or Contents. A summary of the key information can be found below:

Buildings

• Loss or damage to the structure of your home (including garages and outbuildings) – cover for damage to the home caused by events such as; fire, theft, storm, flood and subsidence;
• Escape of water – cover for damage caused by water escaping from your plumbing or heating systems;
• Breakage of glass – cover for the accidental breakage of ‘fixed glass’ e.g. windows, doors, and ceramic hobs.

Contents

• Loss or damage to your contents (in your home, garages, outbuildings and gardens) – cover for damage to your belongings caused by events such as; fire, theft, storm, flood and subsidence;
• Escape of water – cover for damage causedv by water escaping from plumbing or heating systems
• Contents in the open – cover for household items temporarily taken outside the home but within the garden;
• Food in freezers – cover for the contents of your  freezer in the event of the freezer breaking down.

Liability

• Your liability to the public – provides members of the household with cover if you are legally liable for injuries to a member of the public or their property. There is no cover for injury to members of the household or their employees;
• Liability as occupier of the premises – if members of the household are legally liable for injuries arising from the premises;
• Liability to domestic employees – as the employer of a domestic employee such as a cleaner in the event of you being liable for a loss or injury.

Optional cover includes taking out cover for specific items such as jewellery, cameras, watches and bicycles. You can also benefit from cover for unspecified items up to a certain amount ranging from €5,000 to €15,000 or cover individual items for an amount that you specify. Other add-ons include garden cover, caravan cover, child-minding cover, and home office cover.  

Yes, we offer up to five years No-claims Discount on a sliding scale, based on the number of years you have held a claim free home insurance policy in your own name. If you are a first time buyer or have had no previous insurance, we will give you an introductory no-claims discount of 25%.

Call 1800 147 147 from 9am - 5pm, Monday to Friday, to talk immediately to an experienced claims adviser or email us at propertyclaims@aviva.com. Have your policy number to hand when you call.

Contact our Customer Care Department on 1800 335 577.