Home Insurance Cover Details & FAQs

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.