Choose the policy that’s right for you

We insure the things that are sometimes difficult to find like buildings being renovated or under construction, Holiday Homes and houses that are being let to tenants.

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The below benefit table is applicable to our Smart Residence policy only. This policy covers owner occupied homes & contents only insurance. 

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      Buildings Only   

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 Contents Only

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Buildings &

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Emergency Home Assistance

Alternative accommodation

Escape of water

Accidental damage for entertainment equipment


Replacement locks for up to €750

Fire brigade charges for up to €3000

Accidental damage to fixed glass

Accidental loss & damage to home office equipment 

                  ✓             ✓  

Increased cover for weddings and Christmas


Contents in the garden


Jury service for up to €750


Accidental loss or theft of oil


Money and credit cards


Damage to underground services


Public Liability




Terms and conditions apply. Benefits do not relate to a Smart Construct Buildings Under Construction Insurance policy.

AIB Home Insurance Policies

For full details on all of the features and benefits along with all of the limits and exclusions that apply, please visit our Document Library. For details on remunerations, please visit our insurance remunerations page.

Home Insurance Frequently Asked Questions

Common queries

Covering contents

What can we insure

Risk and Accidental Damage