Contents Insurance

Contents Insurance

Discover the benefits of Contents insurance with Liberty

 

Get a home insurance quote

 

What is Contents insurance?

Contents insurance, simply put, is insurance for your personal belongings. You don’t need to be a homeowner, either, as many renters choose to take out Contents insurance.

‘Contents sum insured’ – the amount you insure your contents for – should cover the cost of repairing or replacing personal belongings and household goods. This includes items such as carpets, rugs, furniture and electronics. It’s important that you accurately assess the value of your contents, otherwise you may end up being underinsured.

Furthermore, Liberty’s Home insurance provides a range of extra benefits and should you wish, you can also choose to protect your home with Buildings insurance.

Contents insurance Features and Benefits

We offer a range of benefits as part of our Contents insurance, including these fantastic features. 

Home Office Equipment

We will provide cover under the insured perils for home office equipment such as personal computers, monitors, printers and more up to €3,500. See your policy booklet for full details. 

Electric Vehicle Charging Points

We will cover accidental damage to your home electric vehicle charging point once installed within the boundaries of your home up to €1,500.

Accidental Damage

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

All Features and Benefits

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

  CoVER
Emergency Home Repair (applies to policies that have both buildings and contents covered only)
Y
Emergency Home Repair 24-Hour Helpline 
Y
Loss of Rent or Cost Alternative Accommodation 
Y
Accidental Damage 
Optional
Fire Brigade Charges  
Y
New for Old Contents Cover  
Y
All Risks  
Optional
Replacement Locks up to €650  
Y
Pedal Cycle Cover Away From the Home 
Y
Personal Liability 
Y
Title Deeds Cover up to €750  
Y
Visitors’ Personal Belongings up to €1,000  
Y
Frozen Foods up to €700 
Y
Loss of Heating Oil up to €750 
Y
Money up to €500 and Credit Cards up to €1,500  
Y
Jury Service Cover: €25 per day, up to €700  
Y
Fatal Injury Benefit: €5,000 
Y
Wedding and Christmas Gifts 
Y
Home Office Equipment  
Y
Home Electric Vehicle Charging Points  
Y
Checkmark title Cross title
*For full terms and conditions, please refer below to our Policy Booklet.

Read our Frequently Asked Questions on 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