Home and Contents Insurance with great rates and peace of mind

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

  • Cover for cash up to €650 both inside and outside your home when contents are insured
  • If you’re three years claims free you will receive a 33% no claims discount
  • Up to 12% off when you take out a policy online or over the phone
  • No extra or hidden costs for paying by Direct Debit
  • Protection for personal belongings such as smartphones, tablets and other high-value goods both in and outside the home with optional “All Risks” cover
  • Public liability cover up to €3.175m if you are found to be negligent for injury to a third party or accidental damage caused by you to their property

What our Home and Contents Insurance policy covers

 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.

 

Protecting more than your home in a matter of minutes

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.

Or call us on +353 1 215 1384
Or call us on +353 1 215 1384

Important information

To qualify for the 4 months free on your Home and Contents policy offer you must:

  • Not have an existing Home and Contents policy on your main residence with permanent tsb
  • Satisfy our standard underwriting criteria
  • Send payment instructions, where required, to permanent tsb within 21 days

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:

  • Only 1 previous claim, up to €3,500 in the last 3 years
  • Your building must be built of brick, stone or concrete (timber frame with brick cladding ok) and roofed with slates, tiles, metal, concrete or asphalt (at least 70%)
  • You must not be located in an area of flood or subsidence. If you are in a flood or subsidence area you can visit one of our branches or call us to obtain a quote
  • Your property must be constructed of brick, stone or concrete (including timber frame with concrete brick external cladding)
  • Property must be at least 70% roofed with slates, tiles, metal, concrete or asphalt.
  • Your property cannot be a listed or graded building
  • The property is not used for any business, trade or professional purpose
  • Your property must be in a good state of repair and will be so maintained
  • Your property must be less than 100 years old

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.

Cover to suit you

As well as covering your Home and Contents, we offer insurance policies online to cover other situations too.

1. I'm a landlord

If you’re a landlord with one or more investment properties then check out our Landlords’ Home Insurance, which gives you comprehensive cover at a great price. We also offer a 20% introductory discount in year 1.

2. I'm a renter

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

3. I'm an apartment owner 

If you own an apartment and the building is already covered by a block policy then check out our Contents Cover.

4. I've a holiday home

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.

Rebuild calculator

Don’t pay any more for Home Insurance than you need to. Check out this handy calculator from our friends at the Society of Chartered Surveyors of Ireland to estimate what the building costs of your house would be and help you save on your Home Insurance premium.

Claims

If you wish to report a claim or discuss an existing claim you can call Allianz’s Claims Team on 1890 700 121. Lines are open 9am to 5pm, Monday to Friday. Or alternatively you can request a call back from Allianz.

Contents Cover

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.

Life Insurance

We have a range of Life Insurance options to protect your income for you and your family.

Help and Support

Need help? Our Help and Support section is full of useful information.

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