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)
Y Y
Emergency Home Repair 24-Hour Helpline 
Y Y
Loss of Rent or Cost Alternative Accommodation 
Y Y
Accidental Damage 
Optional Optional
Fire Brigade Charges  
Y Y
New for Old Contents Cover  
N Y
Public Liability 
Y N
Access for Repairs 
Y N
All Risks  
N Optional
Replacement Locks up to €650  
N Y
Pedal Cycle Cover Away From the Home 
N Y
Personal Liability 
N Y
Title Deeds Cover up to €750  
Y Y
Visitors’ Personal Belongings up to €1,000  
N Y
Frozen Foods up to €700 
N Y
Loss of Heating Oil up to €750 
N Y
Money up to €500 and Credit Cards up to €1,500  
N Y
Jury Service Cover: €25 per day, up to €700  
N Y
Fatal Injury Benefit: €5,000 
N Y
Wedding and Christmas Gifts 
N Y
Home Office Equipment  
N Y
Home Electric Vehicle Charging Points  
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