Buildings Insurance
What is Buildings insurance?
Buildings insurance protects your home should the worst happen. It’s especially important when buying a home and can save you money in the long term, on top of providing priceless peace of mind.
‘Buildings sum insured’ – the amount you insure your home for – will determine the cost to rebuild your home in the event of damage. Buildings sum insured, however, doesn’t include the cost of the site and if you calculate the value of your home incorrectly or don’t tell your insurer about improvements you’ve made, you run the risk of being underinsured.
Our Buildings insurance includes standard cover for fire, escape of water, theft and storm or flood damage. One highlight of our Buildings insurance is our 24-hour Emergency Home Repair helpline that puts you in touch with reputable tradesmen in the event of an emergency in your home.
Furthermore, Liberty’s Home insurance provides a range of extra benefits and should you wish, you can also choose to cover your personal belongings with Contents insurance. If you want to protect your vehicle, Liberty has you covered with some of the most affordable car insurance in Ireland.
Buildings insurance Features and Benefits
We offer a range of benefits as part of our Buildings insurance, including these fantastic features.
Emergency Home Repair Helpline
The 24-hour Emergency Home Repair helpline puts you in touch with reputable tradesmen in the event of an emergency in your home. See your policy booklet for more. Call us any time on 091 501 688.
Public Liability
We cover damages that you are legally liable for as the owner of the building for accidents which happen during the period of insurance. We will pay up to €2,600,000 for any one event.
Accidental Damage
Accidental Damage is an optional extension to the Buildings cover which covers accidental loss or damage to Buildings subject to the terms, conditions and exclusions of the policy. Not available for holiday homes or landlord policies.
All Features and Benefits
As standard, we provide cover for fire, escape of oil and water, theft, attempted theft, storm, flood, subsidence, vandalism or malicious acts and falling trees or aerials under our Buildings insurance policy.
| COVER | |
|---|---|
|
Emergency Home Repair (applies to policies that have both buildings and contents covered only)
|
Y |
|
Emergency Home Repair 24-Hour Helpline
|
Y |
|
Loss of Rent or Cost Alternative Accommodation
|
Y |
|
Accidental Damage
|
Optional |
|
Fire Brigade Charges
|
Y |
|
Public Liability
|
Y |
|
Access for Repairs
|
Y |
|
Title Deeds Cover up to €750
|
Y |
Great experiences make for great reviews
Read our Frequently Asked Questions on Buildings insurance
Accidental damage is optional and if you have selected it, you'll be covered for any sudden and unexpected damage which is not caused deliberately.
For example, on your Buildings insurance, it would cover you for accidents such as putting a nail through a pipe.
On your Contents insurance, it would cover you for accidentally spilling paint on a carpet.
More information is available in your policy booklet.
Car, taxi/hackney, van, motorcycle or home
We'll send you your renewal quote about 30 days before your renewal date. It's very important that you carefully read your renewal information and let us know about any changes that could affect your policy.
Did you know you can now pay for your renewal online?
Policies starting with GEI
If you currently pay for your policy on a monthly basis, there's no need for you to do anything. We'll automatically renew your policy and apply for your monthly direct debits as normal. We'll send your new policy documents once we have received your payment.
You have the right to cancel the automatic renewal of your policy. You can advise us by phone or by email. Please contact us here at any time during the policy if you do not wish to automatically renew.
If you cancel the automatic renewal of the policy, your cover will cease at the renewal date unless you advise us to renew the policy before the renewal date.
You can find more information in the ‘Consumers’ section of the Competition and Consumer Protection Commission website.
Policies starting with XB
There's no need for you to do anything. We'll automatically renew your policy and send you your new policy documents once we have received your payment.
You have the right to cancel the automatic renewal of your policy. You can advise us by phone or by email. Please contact us here at any time during the policy if you do not wish to automatically renew.
If you cancel the automatic renewal of the policy, your cover will cease at the renewal date unless you advise us to renew the policy before the renewal date.
You can find more information in the ‘Consumers’ section of the Competition and Consumer Protection Commission website.
Home
Please ensure you have full details of the claim including:
- Policy number
- Policyholder name and contact details
- Date and location of incident
- Circumstances surrounding the incident
- Estimated value if known
- Risk address
- Details of any previous claims in last five years
All claims and incidents that may give rise to a claim now or in the future must be reported to Liberty Insurance immediately or as soon as practically possible.
Incidents that may give rise to a claim must be reported to Liberty Insurance immediately. You can contact us here.
If you need to make a claim on you Home insurance policy, please contact us here.
Home
For a Home insurance quote, you will need details of the property to be insured, such as;
- Rebuild value
- Type of building
- When it was built
- How many bedrooms it has
- How many smoke detectors are fitted
- If any of the roof is flat
You'll also need to tell us about the area around the property, including any history of subsidence or flooding and whether or not there's a river bank or water close to the house.
If you're insuring your contents, you'll need to tell us the value of the contents and details of any items you would like to specifically name in the policy, and any high value items (individual items valued at over €3,000).
Home insurance quotes are valid for seven days.
Home
Emergency Home Repair comes as standard on all policies that have both Buildings and Contents cover.
With Emergency Home Repair, you're covered for emergency repairs for:
- Plumbing
- Blocked drains and toilets
- Internal electrics
- Roof damage
- External glass
- Locks and keys
So if something happens, like a blocked drain or roof damage, you’ll be happy to know you’ve access to qualified tradesmen 24 hours a day, 365 days a year. You'll be covered up to €260 for each emergency and up to four emergencies within the insurance year.
To get a copy of your house indemnity you must call us on 1800 89 1890 and we can help you.
Our office opening hours are:
- Mon to Fri: 8 a.m. to 7 p.m.
- Saturday - Sunday: Closed