Home Insurance

Welcome to a completely new kind of home Insurance. From arranging cover to making a claim, Home Union Options has been specially designed to make life easy for you.

And to prove this point there are just 3 simple steps to take:

Step 1

Buildings: determine your building replacement value making provision for professional and site clearance fees.

(The maximum insured is €650,000 and the minimum is €120,000)

Step 2

You can cover your contents for either 50% or 25% of the value of your premises.

(The maximum insured is €127,000 and the minimum is €30,000)

Optional cover: you can cover all your personal property requirements in one simple policy by selecting from our extensive range of optional covers which include all risks (specified and unspecified), caravans/mobile homes, small pleasure craft, home, office and guesthouse.

A Short Summary of Events Covered

• Fire, explosion, lightning, earthquake
• Smoke
• Storm andamp; flood
• Freezing, Escape or Overflow of water or oil
• Impact by aircraft or vehicle
• Riot, civil commotion and malicious damage
• Theft or attempted theft
• Subsidence
• Accidental damage to TV, audio/video and computer
• Falling trees, radio/TV masts or aerials
• Breakage of glass and sanitary fittings
• Legal liability in respect of domestic employees up to €6,348,690
• Legal liabilities arising from ownership and occupancy of your home up to €3,174,345
• Compensation of €3,174 for fatal injury to the insured and/or spouse resulting from fire/assault or accident at the premises
• Door locks replacement following break-in or assault
• Food in deep freezers up to €635
• Contents sum automatically increased by 10% for the months of December and January
• Contents sum insured increased by 10% for one month before and after the wedding day of you or a member of your family

Details of special Discounts of up to 40% for the following. (Please note Discounts apply to Buildings, contents and All Risks)

To qualify for cover The private house must:

• Be the principal residence
• Must date from 1900 - except where specifically agreed
• Be occupied for residential purposes only and/or where not more than 6 paying guests (at any one time) are kept in the private house
• Be of standard construction - constructed of brick, stone or concrete and roofed substantially (at least 70%) with slates, tiles, metal, concrete or asphalt
• Be in good repair and so maintained
• Not be in an area with a history of flooding or subsidence

The proposer or member of his/her household must not:

• Have been declared bankrupt of convicted or charged with arson or any offence involved dishonesty of any kind
• Have had any insurance declined or made subject to special terms
• Have had more than one claim in the past three years exceeding €3,810 for loss, damage or liability under home insurance policy