About Home & Contents Insurance
Your home is likely one of the most valuable assets you own. It's where you feel most comfortable and where you have created countless memories with loved ones. However, unexpected events such as natural disasters, fires, thefts, vandalisms and accidents can occur and cause significant damage to your home and belongings, leading to financial loss and emotional distress.
Personal property insurance provides material damage to physical assets likes building, contents, furniture, bicycles, clothes, computers, jewelries, watches from various perils such as: earthquake, fire, smoke, lighting, explosion, storm, flood, tempest, hail, theft, malicious damages, vandalism, riots, strikes, escape of water, oil, or liquid petroleum gas from any parts of the plumbing installation or heating system or from any domestic electric appliance, falling trees, impact by airplane, aircraft or animal. Our policies typically offer wider coverage, better liability coverage and offer more flexibility.
Buildings means: The home, garage and outbuildings, its fixtures and fittings, boundary and garden walls, gates, hedges, fences, footpaths, patios, terraces, drives, tennis courts, swimming pools, garden ponds, statues and fountains which are permanently fixed into the ground, greenhouses, solar panels, septic tanks, gas or oil central heating tanks all forming part of the home which are used for domestic purposes only. These must be at the address shown on the schedule.
Contents means: Household goods, furniture, electric appliances , personal computers, tablets, phones, cameras, musical instruments, television, sound system, clothes, handbags, carpets, curtains, art and collectibles, high risk items, sport equipments, bicycles, owned by your family and that you or your family are legally responsible for.
What types of houses we usually cover:
• Primary Residence
• Rental Properties
Who do we usually cover:
• Homeowners
• Landlords
• Tenants
Our advantage:
• We have the capacity and expertise to cover high valued homes with re-building cost over €1.000.000
• We can offer high single article limits for jewellery, art, antiques, guns and other collectibles
• We can offer worldwide ‘’all risk cover’’ for accidental loss, accidental damage, and theft to specific jewellery for complete protection and peace of mind
• We offer great discounts when you bundle your home and your car policy with the same insurer
Coverage Highlights:
• Coverage to your photovoltaics, solar panels and solar water heaters
• Loss of rent (12-month indemnity period) if property is rented out for investment purposes
• Accidental damage to cables and underground pipes and drains
• Accidental damage to glass, ceramic hobs and sanity ware
• Money
• Contents in the garage and in the open
• Plants in the garden
• Legal liability as an occupier
• Legal liability as a tenant
• Legal liability as an employer to domestic employees
