Updating your home insurance policy

Published on 15 February 2018

From time to time, it may be necessary to update your Home insurance cover.

Here,we look at the reasons why and what benefits there are to updating your Home insurance policy.

Why Would I Need to Update my Home Insurance Cover?

Most Home insurance policies cover both Buildings and Contents and these can change over time. For instance, you might want to add an extension, get an attic conversion or even build an outdoor office or garden room in your back garden. These additions will add value to your home and will also increase the cost of repairs and rebuilds. It is therefore imperative that you update your policy so that these additions to your home are covered in the unlikely event that they're damaged.

While buildings evolve slowly over time, home contents can change much more quickly as there are so many items. Contents that are usually covered include household goods, home office equipment, sports equipment, personal belongings, fixtures and fittings and interior decorations. Mobile phones and accessories are not normally covered.

You can add specific items that are very valuable to your cover. An expensive new TV will need to be updated on your policy. If you get engaged or married you can also cover your engagement rings and wedding bands. You should also consider updating your cover if you inherit valuable items like art or jewellery. Always keep receipts of recent expensive items and valuation certificates of antiques and inherited valuables.

Buildings and Contents insurance

Liberty Insurance offers two types of cover in relation to our home insurance policies; Buildings insurance and Contents insurance, which you can buy separately or as a package. Each cover offers a number of benefits to protect you, should the worst happen.

Below is a detailed list of the benefits we offer under our home Buildings and Contents insurance policy:

  • Emergency Home Repair 24 hour helpline (applies to policies that have both Buildings and Contents cover only)
  • Alternative accommodation
  • Accidental damage
  • Fire brigade charges
  • New-for-Old Contents cover
  • Property Owners Liability
  • Access for repairs
  • All risks
  • Title deeds cover up to €750
  • Visitors’ personal belongings up to €1,000
  • Replacement locks up to €650
  • Pedal cycles up to €600 per bicycle
  • Public liability
  • Frozen foods up to €700
  • Loss of heating oil up to €750
  • Jury service cover: €25 per day, up to €700
  • Money up to €500 and credit cards up to €1,500
  • Fatal injury benefit: €5,000
  • Wedding and Christmas gifts

Is it a lot of Hassle to Update my Cover?

Not at all. You just contact Liberty Insurance here and advise our customer service of any updates to your policy. You can email us at info@libertyinsurance.ie or go to our Facebook or Twitter pages where we have representatives online during business hours to help you.


Home Insurance with Liberty


At Liberty, you can get up to five weeks of free Home insurance* when you quote and buy online.


Get a home quote


*Online discount applies to new home policies only. Five weeks free equals a 10% discount. Maximum Buildings cover discount €40. Maximum Contents cover discount €15. Maximum Buildings & Contents cover discount €55. Subject to minimum premiums and applied before optional covers. Acceptance criteria, terms and conditions apply.