HOUSEHOLD INSURANCE
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What is this type of insurance?
- This Home Insurance policy provides cover for loss or damage to your Buildings and/or Contents.
- Buildings - provides cover for the structure of the home, domestic outbuildings and permanent fixtures.
- Contents - provides cover for household goods and personal belongings.
- Important: Cover and restrictions will vary depending on which option you have chosen.
The policy covers:
Loss or damage caused by sudden and unforeseen events such as:
- Fire, Smoke, Explosion, Lightning, Earthquake
- Storm or Flood
- Subsidence/heave or landslip
- Riot, Civil Commotion, Strikes, Labour Disturbances
- Malicious Acts
- Escape of Water
- Theft or attempted theft
- Impact with the buildings by aircraft or aerial devices, vehicles, or any article dropped from them and animals
- Leakage of oil from any fixed heating installation
- Falling trees or branches
- Accidental damage (optional for contents cover)
Buildings:
The home being buil t of brick, stone or concrete and roofed with slates, tiles, fiberglass, asphalt or metal, including:
- landlord’s fixtures and fittings, its garages and domestic outbuildings, stairlifts, permanent swimming pools, fixed hot tubs, fixed Jacuzzis, domestic fixed fuel tanks and cesspits
- hardcourts, paved terraces, patios, drives, paths, walls, gatesand fences, all contained within the boundaries of the land of the home
Contents:
- Household goods, valuables and belongings, including money up to €750 and credit cards up to €1,000 owned by, or the legal responsibility of you or a member of your family when in your home
- Tenant’s fixtures and fittings
- Visitors personal effects up to €1,000 when in your home unless otherwise insured
- Office equipment and office furniture used by you or your family for business or professional purposes up to €6000 when in your home, unless otherwise insured, owned by, or the legal responsibility of you or a member of your family. The maximum amount we will pay is the price to rebuild your home and/or replace its contents.Please note, the sum insured and the covered perils are stated in the Schedule of the Policy
Liability section:
- Public/Personal Liability sum insured €2.6 million
- Employers liability sum insured €13 mill ion
CONTACT US FOR A QUOTATION
info@frostinsurances.ie
- Michal Nowak – mike.nowak@frostinsurances.ie