Content insurance | Liberty Insurance (2024)

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

Read more: 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 fourcall-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

Emergency Home Repair 24-Hour Helpline

Read more: 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.

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 letorthe 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

Read more: 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.

OptionalOptional

Fire Brigade Charges

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Contents Insurance Ireland

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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 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.

Personal Liability

Read more: 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.

Title Deeds Cover up to €750

Read more: We will cover the costs to prepare new title deeds up to a maximum of €750if they are lost or damaged by an insured peril.

Visitors’ Personal Belongings up to €1,000

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

Frozen Foods up to €700

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

Loss of Heating Oil up to €750

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

Money up to €500 andCredit Cards up to €1,500

Read more: 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).

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

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

Fatal Injury Benefit:€5,000

Read more: 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.

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.

Home Office Equipment

Read more: 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.

Home Electric Vehicle Charging Points

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

Content insurance | Liberty Insurance (2024)

FAQs

What is the 80% rule in insurance? ›

When it comes to insuring your home, the 80% rule is an important guideline to keep in mind. This rule suggests you should insure your home for at least 80% of its total replacement cost to avoid penalties for being underinsured.

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How much should you cover for contents insurance? ›

When taking out contents insurance, you'll need to provide the cost of the possessions inside your house. To do this, you should add up the value of all your contents. This includes furniture, appliances, electronics, clothing and anything else you would take with you if you moved house.

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Is there any point in contents insurance? ›

There are lots of reasons you may want contents insurance, including: You won't have to pay as much to replace any stolen, damaged or destroyed items. Some policies offer access to a legal helpline to give advice and guidance for certain legal problems. You can upgrade or tailor your policy to suit your needs.

How does contents insurance pay out? ›

If something happens at your home, like a theft, fire or flood, and your things are stolen or damaged, you can claim for the cost to replace or repair them. For instance, if there's a fire and your TV and games console are destroyed, contents insurance could mean you can claim for the cost of repairing any damage.

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What is the 1% rule in insurance? ›

For example, if a plaintiff obtains monetary judgement for $1,000,000 against a party that is 1% at-fault, all joint and several defendants become indivisibly liable for the whole injury; an outcome giving rise to the '1% Rule' moniker.

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What is the insurance 10 10 rule? ›

The most commonly cited is the "10/10 rule." This rule states that a contract passes the threshold if there is at least a 10 percent probability of sustaining a 10 percent or greater present value loss (expressed as a percentage of the ceded premium for the contract).

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Is it worth insuring contents? ›

Contents insurance is something both homeowners and renters may want to consider. According to MoneySmart, this protects the things you value in your home, specifically "household items and personal belongings if they're damaged, lost or stolen". This can include furniture, appliances, laptops, clothes and tools.

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What percentage is used to insure the contents of your house? ›

The sum of the value of all your items is how much coverage you need. Often, the amount of personal property coverage is determined by using 50% of your dwelling coverage limit. For example, if your dwelling coverage is $400,000, you'll have $200,000 in personal property coverage.

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What is not included in contents insurance? ›

Most contents insurance doesn't include cover for accidental damage. It may be worth adding this if you want cover for mishaps, such as staining your couch or smashing a vase. Also check what isn't covered, for example, damage to clothing or computers.

What is the average value of the contents of a 3 bedroom house? ›

If you get it wrong and your home is burgled, or possessions ruined by flooding, for example, you could be left seriously out of pocket. The Association of British Insurers estimates that the average 3-bedroom family home contains items worth a total of £55,000.

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Is it worth claiming for freezer contents? ›

Making a claim for freezer contents

Before you make a claim, check how much your excess is as this will be deducted from your payout. Unless the remaining amount would be enough to help replace the food, it's probably not worth making a claim as it can increase your premiums in the future.

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How much contents cover do I need? ›

How much contents insurance do I need? To estimate the value of your contents, include everything in your house that isn't part of its structure. Your contents insurance should cover the full cost of replacing your personal belongings. Don't forget about things like appliances, family heirlooms, jewellery, and clothes.

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How long does it take to get a contents insurance claim? ›

How long it'll take your insurer to decide on your claim will depend on the issue. For easy, or low value, claims, you may get a decision within a couple of days. However, if your insurer needs to send out a loss adjustor or there's any dispute about your claim, it could take a few months for you to get a decision.

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How much is excess for contents insurance? ›

Most home and contents policies allow you to choose a voluntary excess. For example, on a contents policy you could choose to have an excess of $750, $1,000 or $1,500. On a home policy you could choose to have an excess of $550, $750, $1,000, $1,500, $2,500, $3,000, $4,000 or $5,000.

What does 80% mean on insurance? ›

Unless you have a policy with 100 percent coverage for everything, you have to pay a coinsurance amount. Here's an example... You have an “80/20” plan. That means your insurance company pays for 80 percent of your costs after you've met your deductible. You pay for 20 percent.

How do you explain 80 coinsurance? ›

Coinsurance is the percentage under an insurance plan that the insured person pays toward a covered expense or service. Coinsurance kicks in after the policy deductible is satisfied. One of the most common coinsurance breakdowns is the 80/20 split: The insurer pays 80%, the insured 20%.

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What is the 80th percentile rule? ›

The 80th percentile rule, a longstanding consumer protection that required insurers to pay the going rate in the community for your medical bills rather than an arbitrarily low amount that left you saddled with the rest, was recently repealed following extensive lobbying and marketing by Premera.

What does the 80 20 rule mean to a health plan? ›

The 80/20 Rule generally requires insurance companies to spend at least 80% of the money they take in from premiums on health care costs and quality improvement activities. The other 20% can go to administrative, overhead, and marketing costs.

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