Our Home and Contents Insurance covers not only your house, but the things that make it a home. We provide services and assurances to give you less to worry about should the worst happen, so you can keep your home your happy place.
We offer new customers who take out a Home and Contents policy the first 4 months cover on their main residence free, giving you 12 months cover for the price of 8. This means that when you buy now, you don't pay until month 5 of your policy. Additionally, you can get up to 12% off your policy when you apply online or over the phone.
Benefits of our Home and Contents Insurance policy
| Included | Extra | |
|---|---|---|
| Escape of Water | ✓ | |
| Storm or Flood Damage | ✓ | |
| Theft | ✓ | |
| Subsidence | ✓ | |
| Fire or Smoke Damage | ✓ | |
| Accidental Damage (on building) | ✓ | |
| Impact by vehicle -animal or aerial | ✓ | |
| Fire Brigade Charges | ✓ | |
| Audio and Audio Visual Equipment | ✓ | |
| Malicious Damage | ✓ | |
| Alternative accommodation up to 15% of the sums insured | ✓ | |
| Accidental Damage (on contents, including gadgets) | ✓ | |
| All Risks - Specified & Unspecified | ✓ |
Please note: The above information does not reference all of the benefits, terms, conditions, limitations, exceptions and exclusions associated with the Policy. For full details of our Home and Contents Insurance policies, you can download our policy documents to ensure you understand the cover provided.
Accidents happen. Everyone loses or damages important items when they’re in or out of the home. With our optional extra “All Risks” Cover available with our Home and Contents Insurance policy, you can cover items you would use in your day-to-day life. We understand that your valuables are just that - valuable. With this in mind, we provide two types of “All Risks” Cover that can be added to our Home and Contents Insurance policies. Get insured in just a few minutes.
Unspecified “All Risks” Cover is an umbrella-style cover that enables those who take it out to select an amount to cover your personal belongings should you lose them. It’s important to protect the items you value against loss, damage or theft, so this cover has been designed with items such as mobile phones, glasses, handbags, etc., in mind.
The maximum combined cost of all the valuables (you or any member of the household stand to lose) should give you an idea for how much you insure your belongings for. There's no need to list each item individually. There are limits applied, however, to the cover such as: €2,540 for any individual item, and bicycles up to a limit of €320 in any single period of insurance.
Specified “All Risks” Cover is a cover that enables you to list items on your policy, specifying their value. Specified items typically include items of jewellery, hearing aids, cameras and other valuables. As no excess applies to this cover, you wouldn’t have to pay the first part of any claim you may make. Please note that any items of jewellery valued for more than €6,000 will require a valuation from a jeweller.
To qualify for the 4 months free on your Home and Contents policy offer you must:
This is an annual policy and if you are paying on a monthly basis, there will be no premium taken for the first 4 months. The remaining premium will be billed over the following 8 months. So, you will get 12 months cover while paying for 8. Or, pay the premium in one payment up front and enjoy the same 33% reduction. This offer is available in the first year only.
To obtain a quote you must meet the following qualifying criteria:
Premium reductions are applied on a reducing balance basis and are all subject to the following minimum premiums, inclusive of Government Levy, for Home and Contents policies: Buildings €135, Contents €105, and All Risks €12.60.
Please note that an excess will apply. This is the first amount of any loss that you are responsible for in the event of making a claim. The amount is deducted from the total claim settlement figure.
permanent tsb p.l.c. is a Single Agency Intermediary of Allianz p.l.c. for Home and Contents Insurance. permanent tsb Home and Contents Insurance is underwritten by Allianz p.l.c. permanent tsb p.l.c. is regulated by the Central Bank of Ireland. Allianz p.l.c. is regulated by the Central Bank of Ireland.
As well as covering your Home and Contents, we offer insurance policies online to cover other situations too.
If you’re a landlord with one or more investment properties then check out our Landlord Insurance, which gives you comprehensive cover at a great price. We also offer a 20% introductory discount in year 1.
If you’re a renter and looking to protect the items you value most, cover the contents of your rental space with our great value Renters Insurance.
If you own an apartment and the building is already covered by a block policy then check out our Contents Cover.
If you have a holiday home and want to insure your building as well as its contents then check out our comprehensive Buildings and Contents Cover.
Our online quote will guide you through the process to ensure you select the cover you need.
If you’re a renter or living in an apartment then our Contents Cover gives you great protection on your valuables and personal belongings at a great price.
We have a range of Life Insurance options to protect your income for you and your family.
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