Home Insurance benefits

What does a Home Insurance policy cover?

Summary of your cover *

AA Home Insurance is clever because our policies offer an extensive range of benefits at no extra cost, to keep you protected when you need it most. Please check your policy booklet for full details of the cover which applies to your policy.

1. Christmas Gifts Cover

We’ll automatically increase your contents cover for free over Christmas. Your contents sum insured is automatically increased by 10% for both December and January to cover the cost of replacing Christmas Gifts if they are stolen or damaged by any cause insured under the policy. This is available on Owner Occupied policies only.

2. Wedding Gifts Cover

An increase of up to 10% of the contents sum insured towards the cost of replacing wedding gifts if lost or damaged by any cause insured under the policy within the defined period of cover for this section. This is available on Owner Occupied policies only.

3. Credit cards

Cover if your credit cards are stolen and you suffer financial loss. This is available on Owner Occupied policies only.

4. Fire brigade charges

Fire brigade charges up to €3,000 are covered when a call out gives rise to a valid claim on the policy.

5. Frozen food

We’ll cover the cost of replacing food damaged in your domestic freezer, if caused, for example, by an electrical failure. This is available on Owner Occupied policies only.

6. Alternative accommodation

If your property is uninhabitable due to fire, damage or another insured event, we’ll pay for the cost of alternative accommodation.

7. Title Deeds Replacement

Cover towards the cost of replacing the title deeds to your home if they are lost or damaged by any cause insured under the policy, in your home or lodged with your bank or solicitor.

8. Contents in Garden

Cover if any of your contents (as defined) are damaged / stolen while in your garden.

9. Trace and access

Cover towards tracing and accessing a leak, and repairing any damage caused to walls, flooring or ceilings during the search.

10. Family Personal Accident

Cover for death or specified bodily injury as a result of an accident that occurs in or about the home. This is available on Owner Occupied policies only.

Please note specific terms, conditions and product benefits will apply to your policy. For full details please refer to your policy booklet.

What you gain with our Home Insurance during winter

There is an increased likelihood of fire (Christmas lights and candles), water damage (burst pipes from freezing temperatures) and theft (November highest theft rate) in winter months.

Our home insurance includes fire brigade charges, freezer food cover, increased contents cover during the winter as well as providing alternative accommodation in the unlikely event that your home becomes inhabitable for some insured reason.

Talk to our agents to buy by calling 0818 227 228 or Renew your House Insurance

Call AA Home Insurance 0818 227 228. If you’re calling from outside Ireland, call +353 1 6179104. Agents are available to take your call Monday to Friday 9am - 6pm
and Saturday 10am – 3pm.

Features & Benefits Documents