Why Choose Lifestyleinsurances.ie?

Irish Home Insurance

Irish based claims service

24 hour emergency helpline

Family legal Expenses & Identity Theft as standard

Accidental Damage and All Risks Cover available

Great value Irish Home Insurance

The Lifestyleinsurances.ie Home Insurance contract is a value for money policy. It automatically provides cover against financial loss in the event a specified peril occurs to your buildings and contents with accidental damage available as an option. With a local administration and claims team on hand you can enjoy peace of mind with your home insurance.

 

Key Benefits

Contents are 20% of Buildings sum insured: up to €199,999

Optional Benefits: Accidential Damage cover for buildings and contents

Building sum insured: Up To €999,999

Valuables: 20% of the contents sum insured - single article limit €1,000

Home Insurance Cover Assumptions

The property is:

  • in an area free from flooding and is not within 500 metres of any property or development, which has flooded or located at least 100 metres from, any river, seafront, estuary or watercourse.
  • an area free from subsidence and is not within 200 metres of any property or development, which has been subject to subsidence.
  • maintained in a good state of repair, built after 1919 and not under construction, renovation, restoration or extension of any kind.
  • of standard construction and if it has a flat roof it is no more than 75% of the total roof area covered.
  • protected by a mortise deadlock or deadlocking rim latches and all French doors, patio doors and accessible windows are fitted with appropriate security locks.
  • occupied solely by you or your family as the principle residence, for residential purposes only and not used for business, paid childminding, AIR BNB or any other commercial activities
  • not left unoccupied for more than 30 consecutive days at any one time.

You nor any member of your family has:

  • not suffered any loss or claim during the last 2 years from any of the events you wish to insure whether insured or not (only that disclosed on the quotation).
  • ever had a proposal for insurance declined, renewal refused, cover terminated or special term or conditions imposed by any insurer.
  • ever been convicted of, or have any prosecution pending for any criminal offence (other than minor driver offences).
  • You accept that you do not require cover for pedal cycles unless specified

About the cover:

  • You accept the most we will pay for valuables located within the home is 20% of the contents sum insured.
  • You accept that the most we will pay for any single article value is €1000
  • You accept that mobile phones are an exclusion under the policy
  • You accept lodgers are not permitted under this policy
  • You accept that you do not require cover for Flood in the following geographical areas: Cork City, Cork County and Limerick City.
  • You accept that you do not require cover for Subsidence, Heave or Landslip in Cork City and Cork County.