Buildings insurance

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: 1800 209 300

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 1800 209 300. 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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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

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

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

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).

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

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.

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.

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.

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