Home Insurance Benefits
Benefits of our policies include:
Home emergency assistance cover*
We will cover the cost of the call-out, labour and materials up to €250 for certain emergency repairs. If there is an emergency in your home, we can provide help 24 hours a day, 365 days a year. If you make a claim under this section, it will not affect your no-claims discount.
Find out more...New for old cover
Get the value of a brand new replacement item, with no deduction for wear and tear. If you make a valid claim for your contents, we will replace, repair or pay an amount to replace the item as new with an equivalent item. Many policies make a deduction for wear and tear of older floor coverings, household linen and clothing. At Liberty insurance, we will not make a deduction for wear and tear of these items, so you will not be at a loss replacing these damaged items.
Loss of heating oil
We will cover you for loss of heating oil up to the value of €750 as part of your contents cover.
Frozen foods
We provide cover for the contents of your deep freezer or refrigerator if they are spoilt up to €700.
Money and credit cards
We provide cover for personal money within the home, held for private purposes up to a maximum of €500 and credit cards up to €1500.
TV, audio, video and computer equipment
We cover loss or damage to television, video, audio and computer equipment up to €2000 for any one item.
Wedding and Christmas gifts.
We increase contents cover by 10% for these occasions for FREE.
Replacement locks cover
We provide cover up to €650 for locks to any outside door of the home if the keys have been stolen from the home.
Loss of rent and alternative accommodation
We will pay the amount of rent you would have received if your home was let or the reasonable cost of renting similar accommodation for the period you cannot live in the home. (see policy booklet)
Fatal Injury Benefit
We will pay €5000 if you or your spouse/partner die, as a result of an injury in the home caused by fire or an assault by intruders.
Fire Brigade Charges
We will pay up to €2000 for fire brigade charges as a result of any incident insured by your policy.
24 hour home emergency helpline
The home emergency helpline puts you in touch with reputable tradesmen (such as a plumber or electrician) in the event of an emergency in your home.
Jury Service
We will pay you or your spouse/civil partner €25 per day up to a maximum of €700 for attending Jury Service.
Title Deeds
We will cover the costs to prepare new title deeds up to a maximum of €1000 if they are lost or damaged by an insured peril.
Visitors' Personal Belongings
We will cover up to a maximum amount of €1000 for the loss or damage to visitors' property by an insured peril.
Terms & Conditions
*Cover included on all policies with both buildings and contents cover.
NB: All home insurance benefits are subject to the terms and conditions of the policy
Home Insurance Policy