Home Contents Insurance Features and Benefits

Liberty Insurance offers two types of cover in relation to our home insurance policies; buildings insurance and contents insurance, which you can buy separately or as a package. Each cover offers a number of benefits to protect you, should the worst happen.

Below is a detailed list of the benefits we offer under our home buildings and contents insurance policy.

Home Emergency Assistance (Applies to policies that have both buildings and contents cover only)

  • Building
  • Contents

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 €250 for each emergency.

If you have both buildings and contents cover with Liberty Insurance, you will automatically receive home emergency assistance 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.

Home emergency assistance Freephone number: 1800 209 300

For Full Terms and Conditions, please refer to our policy booklet, which can be downloaded below.
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Home emergency 24 hour helpline

  • Building
  • Contents

The home emergency 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 home emergency assistance on your policy.

For Full Terms and Conditions, please refer to our policy booklet, which can be downloaded below.
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Alternative accommodation

  • Building
  • Contents

If you cannot live in your home 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).

For Full Terms and Conditions, please refer to our policy booklet, which can be downloaded below.
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Accidental Damage

  • Building
  • Contents

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.
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Fire brigade charges

  • Building
  • Contents

We will pay up to €2000 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.
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New for old contents cover

  • Building
  • Contents

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.
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Property Owners Liability

  • Building
  • Contents

We cover damages that you are legally liable for as the owner of the buildings (but not as occupier) for accidents which happen during the period of insurance. We will pay up to €1,300,000 for any one event.

For full terms and conditions, please refer to our policy booklet, which can be downloaded below.
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Access for repairs

  • Building
  • Contents

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.

All risks

  • Building
  • Contents

Specified Items - covers individual items you specify
Unspecified Items - personal belongings up to the selected limit (max €1500 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.
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Title deeds cover up to €750

  • Building
  • Contents

We will cover the costs to prepare new title deeds up to a maximum of €1000 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.
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Visitors’ personal belongings up to €1000

  • Building
  • Contents

We will cover up to a maximum amount of €1000 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.
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Replacement locks up to €650

  • Building
  • Contents

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.
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Pedal cycles up to €300 per bicycle

  • Building
  • Contents

This extension covers pedal cycles and accessories on them up to €300 for each cycle. You have the option to increase this up to €600 by specifying the pedal cycles.

Exclusions apply. For full terms and conditions, please refer to our policy booklet, which can be downloaded below.
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Public Liability

  • Building
  • Contents

We cover damages that you are legally liable for, as either occupier of the buildings (but not as 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 €1,300,000 for any one event.

For full terms and conditions, please refer to our policy booklet which can be downloaded below.
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Frozen foods up to €700

  • Building
  • Contents

We provide cover for the contents of your deep freezer or refrigerator if they are spoilt up to €700.

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. The cover applies if the loss happens in your home and is caused by:
a) the accidental failure of the freezing unit;
b) a refrigerant or refrigerant fumes; or
c) accidental failure of the electricity or gas supply which is not a deliberate act of the supply authority.

Does not apply if the fridge or freezer is more than 10 years old. For full terms and conditions, please refer to our policy booklet, which can be downloaded below.
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Loss of heating oil up to €750

  • Building
  • Contents

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.
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Jury service cover - €25 per day, up to €700

  • Building
  • Contents

We will pay you or your spouse/civil partner €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.
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Money up to €500 & credit cards up to €1500

  • Building
  • Contents

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, luncheon voucher 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, luncheon vouchers, 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 €1500 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.
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Fatal injury benefit - €5000

  • Building
  • Contents

We will pay €5000 if you or your spouse/partner 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) dies within 90 days of the incident.

For full terms and conditions, please refer to our policy booklet, which can be downloaded below.
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Wedding and christmas gifts

  • Building
  • Contents

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.
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Terms and conditions

All home insurance benefits are subject to the terms and conditions of the policy. Normal underwriting rules and acceptance criteria apply. We reserve the right to refuse insurance cover.