Home Insurance FAQ

We answer your frequent home insurance queries here

My home is worth considerably more that the amount it is insured for. Why is this the case and should I change it?

The correct building sum insured for your home is based on the amount it would cost to reconstruct the building from the ground up. It does not take into consideration the value of your land—which in some areas is a big part of the total value of your property. If you’re unsure about your limits, we recommend that you call us on 0818 22 44 33 or check out the rebuilding calculator on Society of Chartered Surveyors Ireland (SCSI). There is also a basic calculator included as part of our online quotation system.

Will my house insurance policy pay to replace a diamond if it falls out of its setting and gets lost?

If you specified the piece of jewellery on your home insurance policy, losing a piece of jewellery or part of it will be covered. This cover can help protect customers who own expensive jewellery, watches, or furs. Alternatively, many house insurance policies automatically include an amount for unspecified all risks. You will find the detail of this on your policy schedule. Alternatively you can ring us on 0818 22 44 33 and we will gladly help.

How can I save money on my home insurance policy?

QuoteMe.ie offers many discounts that can help you save on your insurance. For instance, you may qualify for a discount if your home has been renovated in the last 10 years; if you are 55 or older, if you are retired or not employed full-time; or if your home has smoke alarms, fire extinguishers or a security system. And, if you insure both your car and home, you can save on both.

If my home is damaged by a tree falling – can I claim on my home insurance?

If a tree falls in a windstorm or from the weight of snow or ice, and that fallen tree damages your home or other structures on your property, insurance companies will pay for reasonable expenses to have the tree removed—up to your policy’s limit for this coverage. However, if your house or other structures were not damaged by the fallen tree, then the tree removal is not covered under your policy. You will need to check your policy details to verify exactly what level of cover you have.

How do I figure out my “Building Sum Insured” and how much is enough?

We recommend that you use the Society of Chartered Surveyors Ireland (SCSI) home rebuilding guide as a starting point. It is updated at least every year and is region and/or city specific. It also reminds us to include outbuildings, fences and walls. You should also include any special features. Maybe you have an antique stained glass window or an Adams Fireplace. These are valuable items and you should add the replacement cost of any special, unique or antique fixtures and fittings to your building sum insured. The market value of your house is not your Building Sum Insured. It is the amount of money would need to put it back the way it is now.

My home was burgled recently and I don’t have all the receipts for the stolen goods. What should I do to prove ownership?

If the actual receipts are not available, insurance companies generally will accept photos, owner’s manuals, credit card receipts, bills, as proof of ownership. It is a good idea however to create an inventory of your expensive belongings including expensive coats, handbags, laptops, screens etc

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