Home insurance

Up to 5 weeks free

Get up to 5 weeks of free home insurance when you quote and buy online. Less worry, more Liberty.

Home Insurance

Helping you protect your home

Buildings insurance

Affordable and fair home insurance, with all the benefits you need to feel secure.

 

Learn more

Contents insurance

Your belongings and favourite objects.
All perfectly protected.

 

Learn more

Buildings & contents insurance

Get a protection package for your home that will cover you, should the worst happen. 

 

Get a quote

Check all cover and benefits of your home insurance

Every home is precious. We know that at Liberty. 
We currently offer three types of home insurance cover: Buildings only, Contents only, and Buildings and Contents. 

  Building Content

Emergency Home Repair (applies to policies that have both buildings and contents covered only)

Read more

We will cover the cost of the call-out, labour, and materials needed for emergency repairs, for: plumbing, blocked drains and toilets, internal electrics, roof damage, external glass and locks and keys up to a maximum of €260 for each emergency, up to four call-outs per year. If you have both buildings and contents cover with Liberty Insurance, you will automatically receive Emergency Home Repair on your policy. This means if there is an emergency in your home, we can provide help 24 hours a day, 365 days a year.

Emergency Home Repair Freephone number: 091 501 688

For full terms and conditions, please refer to our Policy Booklet, which can be downloaded below.

Y Y

Emergency Home Repair 24-Hour Helpline

Read more

The emergency home repair helpline puts you in touch with reputable tradesmen (such as a plumber or electrician) in the event of an emergency in your home.

You can call us any time on 091 501 688. You will have to pay any charges from the tradespeople called out to help you, unless the cost is covered by Emergency Home Repair on your policy.

For full terms and conditions, please refer to our Policy Booklet, which can be downloaded below.

Y Y

Loss of Rent or Cost Alternative Accommodation

Read more

If your private home becomes inhabitable because of loss or damage caused by any of the insured risks, we will pay the reasonable cost of renting similar accommodation for the period you cannot live in your home (up to 15% of the sum insured).

If your rented property becomes inhabitable because of loss or damage caused by any of the insured risks, we will pay the amount of rent you would have received if your home was let or the rent for which you as a tenant are legally responsible.

We will not pay more than 15% of the buildings and/or contents sums insured.

For full terms and conditions, please refer to our Policy Booklet, which can be downloaded below.

Y Y

Accidental Damage

Read more

Accidental Damage is an optional extension to the buildings and contents cover which covers accidental loss or damage to buildings and contents subject to the terms, conditions, and exclusions of the policy. Not available for holiday homes or landlord policies.

For further information, please refer to the Policy Booklet which can be downloaded below.

Optional Optional

Fire Brigade Charges

Read more

We will pay up to €2,000 for fire brigade charges as a result of any incident insured by your policy.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

Y Y

New for Old Contents Cover

Read more

In the event of a home insurance claim, if your belongings cannot be repaired, we will cover the cost of replacing them with brand new ones.

Very often, items like flooring, bedlinen, and clothing are subject to a ‘wear and tear’ clause by insurers. We do it differently, with no wear and tear deduction from your claim payment, because we think that's home insurance as it should be.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Y

Public Liability

Read more

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.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

Y N

Access for Repairs

Read more

We will pay up to €650 to remove or replace any part of the buildings necessary to repair any fixed domestic water or heating installation where water or oil has escaped.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

Y N

All Risks

Read more

Specified Items: Covers individual items you specify 
Unspecified Items: Personal belongings up to the selected limit (max €1,500 per item) outside the home (anywhere in Europe and up to 60 days in any one period of insurance for the rest of the world).

Not available for holiday homes or landlord policies.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Optional

Replacement Locks up to €650

Read more

We provide cover, up to €650, for the cost of replacing locks to any outside door of the home if the keys have been stolen from the home or stolen from a member of your household during an assault.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Y

Pedal Cycle Cover Away From the Home

Read more

This extension covers pedal cycles and accessories on them up to €600 for loss or damage away from the home for each cycle unless we say otherwise in the schedule. Any bicycle left unattended and unlocked away from the home, outbuildings or boundary. The first amount of the claim, as shown in the schedule as ‘Pedal cycles’ excess.

Electric bicycles and e-scooters are excluded under this section.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Y

Personal Liability

Read more

We cover damages that you are legally liable for as the occupier or property owner, or in your personal capacity anywhere in the Republic of Ireland, Northern Ireland, Great Britain, Isle of Man, Channel Islands or elsewhere in the world in the course of a visit not planned to last more than 60 days in a row.  We will pay up to €2,600,000 for any one event.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Y

Title Deeds Cover up to €750

Read more

We will cover the costs to prepare new title deeds up to a maximum of €750 if they are lost or damaged by an insured peril.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

Y Y

Visitors’ Personal Belongings up to €1,000

Read more

We will cover up to a maximum amount of €1,000 for the loss or damage to visitors' property by an insured peril.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Y

Frozen Foods up to €700

Read more

This extension covers the contents of a deep freeze or refrigerator if they are spoilt, up to €700 unless we say otherwise in the schedule.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Y

Loss of Heating Oil up to €750

Read more

We will cover you for loss of heating oil up to the value of €750 as part of your contents cover.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Y

Money up to €500 & Credit Cards up to €1,500

Read more

Our house insurance cover includes €1,500 for credit and debit card theft and fraud. We’ll also cover any personal money in the home. Personal cheques, traveller’s cheques, postal and money orders, current postage stamps, national savings stamps and certificates, Premium Bonds or travel tickets are all covered up to a total of €500.

This extension insures:
a) Personal money within the home, held for private purposes including current coin and banknotes, cheques, traveller’s cheques, postal and money orders, current postage stamps, national savings stamps and certificates, Premium Bonds, travel tickets and trading stamps up to a total of €500 (unless we say otherwise in the schedule in any one period of insurance); and
b) Amounts which you may legally have to pay under the terms of any credit card or cash dispenser card as a result of losing that card and it then being fraudulently used (up to €1,500 unless we say otherwise in the schedule in any one period of insurance).

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Y

Jury Service Cover: €25 per day, up to €700

Read more

We will pay you, your spouse/civil partner or co-habitant €25 per day up to a maximum of €700 for attending Jury Service.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below. 

N Y

Fatal Injury Benefit: €5,000

Read more

We will pay €5,000 if you, your spouse/civil partner or co-habitant die as a result of an injury in the home caused by fire or an assault by intruders. We will only pay this benefit if you or your husband, wife, or partner (or both of you) die within 90 days of the incident.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Y

Wedding and Christmas Gifts

Read more

We increase contents cover by 10% for these occasions for FREE.
(Increased by 10% of Contents sum insured) The Contents sum insured is automatically increased by 10%:
a) During the month of December only, to cover gifts and extra food and drink for the Christmas season; or
b) During one month before and one month after your wedding day or the wedding day of a member of your household, to cover wedding gifts.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Y

Home Office Equipment

Read more

We will provide cover under the insured perils for home office equipment such as personal computers, monitors, laptops, tablets, printers and phone equipment (excluding mobile phones and equipment supplied by or at the request of an employer or in relation to any business purpose) up to €3,500.

N Y

Home Electric Vehicle Charging Points

Read more

We will cover accidental damage to your home electric vehicle charging point once installed within the boundaries of your home.

For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.

N Y
Checkmark title Cross title

Are you renting a house or are you a first-time buyer? We have home insurance that fits you

Insured House

First-time buyer

If you're buying your first house, home insurance is highly recommended. But you don't have to get it from your mortgage provider. At Liberty, we offer you great benefits of home insurance in your first year as a buyer. 

Get your home insurance quote, buy online and get up to nine weeks free*. That's Liberty. 

*Nine weeks of free home insurance includes five weeks free (10%) for policies online and an additional four weeks free (8%) for first-time buyer only. Maximum discount €40 for buildings and €15 for contents for the 10% discount. A first-time buyer is defined as a first-time buyer of home insurance for a property they own. Subject to minimum premium and applied before optional covers. Acceptance criteria, terms and conditions apply.  

Landlord getting insured

Landlord insurance

Being a landlord can be a challenging task. At Liberty, we can guarantee the best solutions to protect your properties and contents in case of fire or belongings damage, among others.

Get a custom-built policy covering only buildings or both buildings and contents.

Renters House Keys

Renters insurance

Just because you're renting a house, it doesn't mean you don't have precious belongings that need to be protected. 

At Liberty, we offer a range of insurance cover options for people living in rented properties like an Emergency Home Repair 24hr Helpline or a Replacement Locks service. 

Buy a contents insurance policy for renters at an affordable price, so you don't get left out of pocket.

manage my policy

Managing your policy can be so simple

At Liberty, we know that in real life, not everything goes to plan.

That's why in only a few minutes, you can change your home policy, add a cover option, pay for renewal or access all the documentation you need and save both money and time.

That's Liberty.

Any questions? We're glad to help

Home insurance quotes are valid for seven days.

Underinsurance occurs when you don't have enough insurance to cover the cost to rebuild, reinstate, or replace your buildings or home contents. This can happen when these costs are inaccurately stated in your home insurance policy.

At Liberty, we want to protect your future by giving you all the information you need to avoid being underinsured. For more on underinsurance, click here

Our contents cover includes cover for valuables such as jewellery, items of  precious metals, timepieces, photographic equipment, works of art, antiques, furs, musical instruments, collections of stamps, curios, coins or medals.

Any individual item valued at over €3,000 should be listed individually on your home insurance policy. If you only want to cover these individual items whilst in the home you can specify them as high value items. If you would like to cover to be extended outside the home, you will need to specify the individual items as all risk items

More information is available in our policy booklet.

Emergency Home Repair comes as standard on all policies that have both bulidings and contents cover.

With Emergency Home Repair you are covered for emergency repairs for:

  • plumbing;
  • blocked drains and toilets;
  • internal electrics;
  • roof damage;
  • external glass; and
  • 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 will be covered up to €260 for each emergency and up to four emergencies within the insurance year.

You can pay your premium by; phone, post or billpay in any post office, or call us to pay monthly.

You can also make a payment online. Please see below: 

The price we quote will include the insurance compensation fund levy of 2% and a 3% government levy. The only other charge which may apply is a service charge of 7.7% if you choose to pay for your insurance monthly.

Whoever owns the house, or is named on the mortgage should also be named as a joint policyholder on your home insurance policy.

Your home insurance .futureproofed