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Home Insurance

The following is a guide to cover and benefits. You must read your policy schedule, Home policy document and all associated documents for full cover details

ESB Home Insurance can provide cover for the following :

Our standard Home Insurance policy for Buildings & Contents offers a very broad scope of cover including :

There are a number of extra benefits which are included at no extra charge if you have both buildings and contents cover

For full details of each of the above covers, please refer to the Home policy booklet. Terms, Conditions & Exclusions apply.


Optional Covers – At an Extra Charge

All Risks Cover
All risks cover is available for personal property/valuables outside the home

Miscellaneous Valuables and Clothing
Cover for a selection of items. You select the sum insured. Single Article Limit 25% of the sum insured or €1,500 whichever is the lower

Specified Valuables
Cover for specific items covered up to the replacement value of the item. Valuations are only required where the item exceeds €5,000 in value. However, when making a claim you will be required to produce a valuation/receipt regardless of the value,

Pedal Cycles
Pedal Cycles are covered for accidental loss or damage anywhere within the Geographical limits and worldwide for up to 60 days in any one period of insurance.

Cover for loss or damage beyond economical repair within 3 years of you having purchased it new. We will pay for cost of replacement as new, or the market value.

Small Pleasure Craft
Cover for loss or damage and its equipment described in the schedule within the geographical limits. Cover is extended to any other country within the European Union for a maximum period of 60 days in any one period of insurance

Please note all claims are subject to an excess – refer to FAQS
Cover is subject to underwriting criteria. Terms and conditions apply. Home Insurance is underwritten by Allianz p.l.c. Allianz p.l.c. is regulated by the Central Bank of Ireland.