Buildings & Contents Insurance

Discover the benefits of Buildings & Contents insurance with Liberty

 

Get a home insurance quote

Why do I need Buildings & Contents insurance?

Buildings and Contents insurance protects not only your home building, but your belongings too. While protecting your most valuable asset is important, your personal items need cover too. Liberty's Home insurance does just that – whether you buy as a package or separately.

Emergency Home Repair

If you have both Buildings and Contents cover with Liberty , you will automatically receive Emergency Home Repair on your policy, with help provided 24 hours a day, 365 days a year. See your policy booklet for full details.

Fire Brigade Charges

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

Rent and Accommodation Cover

If your private home or rented property becomes inhabitable because of loss or damage caused by any of the insured risks, we will cover certain costs. Terms and conditions apply. See your policy booklet for more.

All Features and Benefits

At Liberty, our Buildings & Contents insurance offers a number of benefits to protect you, should the worst happen.

  Building Content

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

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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 

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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.[/collapse]

Y Y

Loss of Rent or Cost Alternative Accommodation 

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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.[/collapse]

Y Y

Accidental Damage 

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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 full terms and conditions, please refer to our Policy Booklet which can be downloaded below.[/collapse]

Optional Optional

Fire Brigade Charges  

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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.[/collapse]

Y Y

New for Old Contents Cover  

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In the event of a home insurance claim, if your belongings cannot be repaired we'll 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.[/collapse]

N Y

Public Liability 

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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.[/collapse]

Y N

Access for Repairs 

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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.[/collapse]

Y N

All Risks  

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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.[/collapse]

N Optional

Replacement Locks up to €650  

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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.[/collapse]

N Y

Pedal Cycle Cover Away From the Home 

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This extension covers pedal cycles and accessories on them up to €600 for loss or damage away from the home for each cycle. If you have purchased additional pedal cycle cover, this limit is increased up to €1,500 with full details shown in your schedule.

We do not cover any bicycle left unattended and unlocked away from the home, outbuildings or boundary. Electric bicycles and e-scooters are also excluded from loss or damage under this section.

The first amount of the claim, as shown in the schedule as ‘Pedal cycles’ excess of €125 applies to this section of the policy.

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

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N Y

Personal Liability 

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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.[/collapse]

N Y

Title Deeds Cover up to €750  

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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.[/collapse]

Y Y

Visitors’ Personal Belongings up to €1,000  

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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.[/collapse]

N Y

Frozen Foods up to €700 

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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.[/collapse]

N Y

Loss of Heating Oil up to €750 

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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.[/collapse]

N Y

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

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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.[/collapse]

N Y

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

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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.[/collapse]

N Y

Fatal Injury Benefit: €5,000 

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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.[/collapse]

N Y

Wedding and Christmas Gifts 

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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.[/collapse]

N Y

Home Office Equipment  

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We will provide cover under the insured perils for home office equipment such as personal computers, monitors, laptops, tablets, printers, 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.

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

N Y

Home Electric Vehicle Charging Points

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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.[/collapse]

N Y
Checkmark title Cross title
*For full terms and conditions, please refer below to our Policy Booklet.

Frequently Asked Questions on Buildings & Contents 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.

Home

Our Contents insurance 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 the cover to be extended outside the home, you'll need to specify the individual items as all risk items.

More information is available in our policy booklet.

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

If you need to make a claim on you home insurance policy, please contact us here. 

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.

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.

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