A growing number of people are purchasing holiday homes in Ireland, and it’s easy to see why. The Emerald Isle is brimming with natural beauty and rugged landscapes imbued with Celtic legend.
If you’re one of the lucky people in the process of making Ireland your second home, you’ll likely want to ensure your property purchase is adequately protected. That’s why it may be a good idea to explore our holiday home insurance package. At Intasure, we can provide insurance policies to meet your needs for a holiday home in Ireland. For a quote and to find out what we have to offer, get in touch with our friendly team. Alternatively, you can find an overview of the Intasure offering below.
What is Ireland holiday home insurance?
Irish holiday home insurance provides cover for second properties across the Republic of Ireland. The policy includes buildings and contents insurance at its heart. This is then supplemented by further protection designed specifically for second homes located overseas.
If you live in the UK, getting to Ireland is relatively easy. However, it’s unlikely that your property will be occupied all year-round, even if you decide to rent it out. That’s why it may be prudent to purchase a policy that can cover your property even when it’s unoccupied.
What does holiday home insurance in Ireland cover?
As mentioned, our holiday home cover includes building and contents cover, as you might expect from a residential insurance policy. Here’s what both forms of protection help safeguard against:
- Damage to a building or contents due to natural disasters, such as falling trees, floods, fire, explosions, or lightning.
- Escape of water, sewage, or oil from household appliances, such as washing machines and dishwashers.
- Loss or damage caused by smoke, riot, malicious damage, storm, flood, hail and avalanche.
- Theft of personal property, money (limited to £250), and valuables.
- Accidental damage to household goods, carpets, sanitary fixtures, etc.
The valuables we cover against include bicycles up to a value of £500, freezer contents up to a value of £1000 and replacement of title deeds, if they are lost or damaged, up to £1000.
In addition to building and contents cover, our standard policies offer the following protection:
Public Liability Cover
Letting your property out to guests comes with several risks—not least compensation claims. That’s why our public liability cover exists, offering up to £5 million as standard in instances where a guest may fall ill or becomes injured while staying at your holiday home.
Emergency Travel Costs cover
If things go wrong, you’ll want to know that you can get to your property quickly without having to worry about travel costs. Emergency travel insurance can step in to reimburse flight and ferry expenses in these situations.
Loss of Rent Cover
Leaky pipes, structural damage, and adverse weather could render your holiday home uninhabitable. And if you rely on a steady stream of income from holiday rentals this could put increased pressure on your finances. That’s why we offer loss of rent cover. Following a successful claim, you can have the time and money needed to get back on your feet.
If you’re buying a second home overseas, there’s a good chance you won’t be present very often. So, to help counteract the risks that come with unoccupancy, we cover properties whether occupied or left vacant. We’ll also keep you covered for up to 60 consecutive days when your property is unoccupied for loss of metered water or oil.
What properties in Ireland can I cover?
Our Irish holiday home insurance helps safeguard the following properties:
- Houses and bungalows
- Farmhouses and cottages
- Flats and apartments
- Caravans and park homes
How much does Irish holiday home insurance cost?
While all insurance policies vary in cost, several factors typically shape the premium you pay, including:
- Location – if your property is based in a popular city, such as Belfast or Dublin, you might receive a higher premium.
- Size – large properties typically have higher insurance premiums.
- Age – the age and upkeep of a property is considered when calculating your quote.
- Contents – storing high-value items in your holiday home can influence the cost of your insurance package.
These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.
Why choose Intasure?
To summarise, there are a host of benefits to buying Ireland holiday home insurance with Intasure, including:
- Specialists who understand the rules and regulations surrounding Ireland property insurance.
- Up to £1 million buildings protection and £5 million public liability for insured claims.
- Cover for short or long-term lettings.
- Cover whether the property is occupied or not.
- Additional covers – protection for outbuildings (summerhouses, limited protection for swimming pools, etc.).
Our friendly team is here to support you with any questions surrounding policies, renewals, modifications, and claims.
To get a quote for your holiday home in Ireland, click below or contact our UK team on 0345 111 0680 for more information.
Ireland Holiday Home Insurance FAQs
Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.