Home Insurance Cover Details, Questions and Answers

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.

Get a quote to find out more.

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 Get a Quote	Contents Only Get a Quote	Buildings & Contents Get a Quote
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	€3m	€3m	€3m

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.

Home Insurance Frequently Asked Questions

Common queries

What is Emergency Home Assistance?
The service is specifically for minor emergencies that happen in the home that need a short-term fix such as a broken window, a damaged roof, or a plumbing problem.

We’ll send an approved tradesman to your home to patch up the problem before it gets worse, giving you some time to get it fixed at a later stage. Get up to 4 call-outs per year, free of charge.

Will it affect my premium?

No, this is a complimentary service.

Availing of Emergency Home Assistance does not mean you’re making a claim. Call-outs and repairs won’t impact your premium price next year.

AIB Emergency Home Assistance Benefits
- 1 hour of labour up to the value of €250 to temporarily repair the issue
- €100 towards overnight accommodation for you and your family if your home is unfit to live in due to an emergency
- 1 hour of labour up to the value of €500 for roof repairs
How can I make a claim?

You can contact our 24 hour claims helpline on 0818 27 26 25. We also run a 24 hour home helpline. In the event of an emergency you can contact us on 0818 61 99 33 and we’ll put you in touch with someone that can help.
If I need to make a change to the policy what should I do?

You can contact our helpline on 0818 27 26 25 Monday to Friday 8:00 to 20:00 and on Saturdays between 10:00 to 14:00 (excluding public holiday weekends).
I'm a first time buyer, when does my policy need to be put in place?

It does depend on the terms and conditions of your mortgage agreement but usually cover needs to be in place for when you are due to draw down on your mortgage. The cover would come into effect when you are the legal owner.
How do I calculate my buildings sum insured?

The sum insured should represent the cost of rebuilding your home if it is totally destroyed. This is not necessarily the market value of the building. Our rebuild calculator may be used as a guide but is only indicative. For further information please refer to www.scsi.ie
How can I pay?

With AIB Home Insurance the premium is the same whatever way you wish to pay. We offer an interest free direct debit so there are no extra charges to spread the cost. We also accept Mastercard, Visa and Laser cards. And our team on 0818 27 26 25 can also accept cheque, bank draft and postal orders.
What is an excess?

The excess is the first part of an insurance claim that you would pay yourself. The amount depends on the excess selected and on the type of claim. Please refer to our policy schedule for further information.

Covering contents

What does Contents only Insurance include?
All household goods kept within the home such as furniture, clothes and electrical items as well as valuables like jewellery, paintings and other works of art.

AIB Contents Only Insurance Benefits
- TV’s, video, audio & home computer equipment up to €2,000 per item
- Replacement Locks up to €750
- Cash up to €750
- Emergency Home Assistance Get up to 4 call-outs per year, free of charge.
- Accidental loss or damage to home office equipment,
If I'm moving house, are my contents covered in transit?

Yes, as long as you use professional contractors. China, glass and other fragile items are not covered so be careful!
How much should I insure my contents for?

You should consider how much it would cost to replace your contents. Contents could be described as the items you would take with you if you moved house. It is worth noting that some items, for example electronic equipment, may cost less to replace today that they did when they were purchased.
Should I include my kitchen with my buildings or contents?

Buildings are defined as the home covered by the schedule, the outbuildings (including greenhouses, decking, garden sheds) and also the fixtures and fittings. Therefore fitted kitchens, fitted bedroom wardrobes and bathrooms should be included with the buildings sum insured.

What can we insure

Does AIB insure Holiday Homes ?

You’ve made the move and invested in a special place, a home away from home to relax and unwind. Now keep this important investment safe with our Smart Retreat Home Insurance for holiday homes.

Smart Retreat Holiday Home Insurance delivers cover for privately owned holiday homes for personal use or rental.

AIB Smart Retreat Holiday Home Insurance Benefits

Emergency Home Assistance - Get up to 4 call-outs per year, free of charge.

Accidental damage to glass - Covers accidental breakage of mirrors, fixed glass in furniture and ceramic hobs.

Monthly Repayments - Spread your payments over 12 months at no extra cost.

Replacement Locks - We will pay the cost of replacing locks (including keys) to any outside door of the home if the keys have been stolen from the home for up to €750.
I’m in the process of building or renovating a house – Will AIB insure it?
Get cover for houses that are being built or undergoing renovations

Start out right – If your house is not yet your home because it’s still under construction or renovation, we can insure it for you until the day you can finally move in with our buildings only Home Insurance policy, Smart Construct Home Insurance.

AIB Smart Construct Home Benefit
- Monthly Payments - Spread your payments over 12 months at no extra cost
For full details on all of the features and benefits along with all of the limits and exclusions that apply please read our Smart Construct Home Insurance policy document..
Will AIB insure a house I’m renting to tenants – I’m a Landlord?
Get cover for your Buy to Let or Investment Property in Ireland

Have you chosen to invest in property? If you bought a house as an investment to rent, we can protect you against damage by fire, storm, theft and other risks which are listed in the policy document below.

Our Smart Invest Home Insurance can protect against loss or damage to your buildings and contents of your buy-to-let property. It’s one less thing to worry about.

AIB Smart Invest Home Insurance Benefits
- Emergency Home Assistance - Get up to 4 call-outs per year, free of charge.
- Accidental damage to contents belonging to you - This covers any accidental damage made by tenants to items like the sofa, beds or white appliances.
Landlord Insurance Advisor Costs

We cover advisor costs to help recover possession of the property if tenants breach the law regarding payment of rent, or their lease agreement.

Loss of Rent

If the property is not fit to live in because of damage or loss caused by an insurable event, then we will pay you the amount of rent you lost up to a max of 20% of the buildings sum insured.
Are my tenants contents covered?

If you have a smart invest policy and have selected contents cover, your policy will cover the contents that you own in the building. The onus is on your tenant to insure their own contents. AIB Home Insurance can also offer contents only cover to your tenant.
If my house fell to the ground will it be rebuilt to the same standard?

Insurance is there so your house can be brought back to the same condition it was in before the event of the claim. Your home would be built to the same standard or stage of completion as it was before the incident.

Risk and Accidental Damage

What are all the risks?

All risks cover you for the loss, theft or accidental damage to certain items away from the home as well as inside. You can specify the individual items if they are over the value of €1,000. Or, you can choose an overall value for a number of unspecified items which are under €1,000 each.
Am I covered if someone trips in my home?

We offer public liability cover up to €3million. This covers in the event of bodily injury to any person in and around your home. For further information please refer to our policy book and/or your schedule.
What is accidental damage?

Accidental damage is where your house content is accidentally damaged, for example a spillage of paint on the carpet or sofa.
Can I get cover for accidental damage?

You can extend your policy to cover accidental damage to your contents, for example a spillage of paint on the carpet or sofa. It covers you in the event of something sudden and unexpected that you have done accidentally.
If I make my home safer, will my premium be reduced?
Yes. We will give you a discount for:
- Approved intruder alarms
- Good - quality deadlocks on doors & windows
- Smoke alarms
- Neighbourhood Watch or Community Alert members