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Home Insurance

The following is a guide to cover and benefits. 
You must read your policy schedule, Home policy document and all associated documents for full cover details.

ESB Home Insurance can provide cover for the following:

  • Your Primary residence
  • Residential Investment Properties rented to families
  • Private Holiday Homes
  • B & B (Up to 6 paying guests)
  • Apartments (contents only)

Our standard Home Insurance policy for Buildings & Contents offers a very broad scope of cover including:

  • Fire
  • Subsidence
  • Storm
  • Snow
  • Water Damage
  • Flood
  • Malicious Damage
  • Theft
  • Public/Personal/Property Owners Liability €3M each
  • Accidental Damage

There are a number of extra benefits which are included at no extra charge if you have both buildings and contents cover:

  • Identity Theft Legal Protection €65,000
  • Family Personal Accident up to €12,750
  • Loss of Metered Water €2,000
  • Adaption of your home following disability €10,000
  • Landscaping & Plants €2,000
  • Emergency Access to your buildings €2,000
  • Outbuilding Contents ‒ no limit once you have adequate cover under your contents sum insured 
  • Credit Cards €2,500
  • Loss of Money €650
  • Visitors personal belongings €2,000
  • Title Deeds €1,000
  • Fire Brigade Charges €5,000
  • Frozen Food €2,000
  • Garden Furniture €3000
  • Contents in the Open €1000
  • Death Benefit
  • Jury Service €50 a day/up to €700 in total
  • Providing alternative Accommodation up to 20% of the building sum insured or up to 50% if the contents sum insured
  • Child Minding Max 4 children in your home
  • Home Office Business equipment €4,000/€1500 the single article limit
  • Trace & Access €2,000
  • Door Locks Replacement unlimited
  • Christmas gifts, contents sum insured increased by 10% for the month of December
  • Weddings gifts, contents sum insured increased by 10% 30 days before and after the wedding of any member of your household

For full details of each of the above covers, please refer to the Home policy booklet. Terms, Conditions & Exclusions apply.

Optional Covers – At an Extra Charge
  • All Risks Cover
    All risks cover is available for personal property/valuables outside the home
  • Miscellaneous Valuables and Clothing
    Cover for a selection of items. You select the sum insured. Single Article Limit 25% of the sum insured or €2,000 whichever is the lower
  • Specified Valuables
    Cover for specific items covered up to the replacement value of the item. Valuations are only required where the item exceeds €6,000 in value. However, when making a claim you will be required to produce a valuation/receipt regardless of the value,
  • Pedal Cycles
    Pedal Cycles are covered for accidental loss or damage anywhere within the Geographical limits and worldwide for up to 60 days in any one period of insurance.
  • Caravan
    Cover for loss or damage beyond economical repair within 3 years of you having purchased it new. We will pay for cost of replacement as new, or the market value.
  • Small Pleasure Craft
    Cover for loss or damage and its equipment described in the schedule within the geographical limits. Cover is extended to any other country within the European Union for a maximum period of 60 days in any one period of insurance
Please note all claims are subject to an excess – refer to FAQS

Cover is subject to underwriting criteria. Terms and conditions apply. Home Insurance is underwritten by Allianz p.l.c. Allianz p.l.c. is regulated by the Central Bank of Ireland.

To obtain a quotation, or to talk through any insurance questions you may have, please contact us and our team will be delighted to assist you.