House Insurance

House insurance cover

Financial Architects will get you quotes from several providers in the market. As we are independent brokers we will give you a choice.

Our home insurance quotes include all buildings and contents covered as standard

Buildings cover

This covers both buildings and other permanent fixtures, such as:

• Outbuildings

• Fixtures and fittings

• Interior decorations

• Fences and walls
  

How much buildings cover should I choose?

The amount of cover you choose, or the sum insured, is very important and often misunderstood.

You should base this on the rebuilding cost of your home, not the market value.

Visit the Society of Chartered Surveyors website to get their home rebuilding costs guide.

You can have the buildings cover index-linked, which means the insurance company will increase your cover in line with increases in rebuilding costs, you can decide.

Find out more about rebuilding costs.

Contents cover

• Covers household goods and any personal belongings that are kept in your home.

• Covers contents belonging to you and any member of your household

Contents cover is generally offered on a ‘new for old’ basis, which means that in most cases the insurance company will replace stolen or damaged items with new items.

How much contents cover should I choose?

You have a choice of two options:

Contents cover as a percentage of buildings cover

• Choose from 20%, 30%, 40% or 50% of your buildings cover

For example, if your buildings are insured for €200,000 and you choose the 30% option, you’ll get €60,000 contents cover.

Individual contents cover

• This represents the total value of all your contents, as a separate sum insured

There are several other optional benefits you can take and there are several areas where we can get you additional discounts.