What Does Holiday Home Insurance Typically Cover in Ireland?

Holiday home insurance in Ireland typically provides coverage for a range of risks and perils associated with owning a holiday property. While specific coverage will vary between insurance providers, here are some common elements typically included in holiday home insurance policies:

Buildings Insurance:

This coverage protects the physical structure of your holiday home, including the main building, outbuildings, fixtures, and fittings. It typically covers damages caused by events like fire, storms, flooding, subsidence, vandalism, and theft.

Contents Insurance:

This covers the contents of your holiday home, such as furniture, appliances, electronics, and personal belongings. It provides compensation in case of damage or loss due to events like fire, theft, or accidental damage.

Public Liability Insurance:

This coverage protects you if someone is injured or their property is damaged while on your holiday home premises. It typically covers legal costs and compensation claims resulting from accidents or injuries sustained by visitors or third parties.

Loss of Rent/Income:

If your holiday home becomes uninhabitable due to an insured event, such as fire or flood, this coverage compensates you for the loss of rental income during the period of repair or rebuilding.

Accidental Damage:

This coverage provides protection against accidental damage caused by you or your guests. It can include damage to furniture, fixtures, appliances, or other items within the holiday home.

Legal Expenses:

Some policies include legal expenses coverage, which can help with legal costs if you need to take legal action or defend against legal disputes related to your holiday home.

As is always the case with insurance policies, it is important to note that the coverage options, limits, and exclusions will vary between insurance providers. It’s advisable to carefully review the policy documents and consult with an Insurance Broker to understand the specific coverage provided by a particular insurer to ensure that the policy meets your specific needs.