If you have Buildings and Contents insurance, you are covered for Emergency Home Repair.

Check our Policy Document for full information and terms and conditions.

If you have purchased a RedClick contents policy this covers contents in an outbuilding up to the value of €5,000. 

Check our Policy Document for full information and terms and conditions.

Our contents policies provide bike cover away from the home for up to €600 as standard. If you have purchased additional pedal cycle cover, this limit is increased up to €1,500 with full details shown in your policy schedule.

We will not cover any pedal cycle left unattended and unlocked away from the home, outbuildings or boundary and we will not cover Electric Bicycles or E-scooters.

Check our Policy Document for full information and terms and conditions.

Carpets can be taken up relatively quickly and easily and re-laid. It is their transportable nature that makes them part of the contents in a home.

Please check our policy booklet for full information and terms and conditions

YES, these structures are covered with Buildings Insurance cover.

Your policy covers the private home at the address shown in your Policy Schedule. This includes domestic outbuildings, solar panels, swimming pools, tennis courts, hot tubs, septic tanks, fuel tanks, terraces, patios, decked areas, driveways, footpaths, walls, fences, gates, hedges and fixtures and fittings including home electric vehicle charging points, all within the boundaries of the home. Your home must be built of brick, stone or concrete and roofed with slate, concrete, tiles or asphalt unless described differently under any endorsement (other than greenhouses, summer houses and garden sheds [A small wooden, PVC cladded or metal building used for storing items such as garden tools, bicycles, and other household items]).

Please check our policy booklet for full information and terms and conditions that apply.

If you are a tenant in an apartment, it is advisable to arrange Contents insurance, so your own personal belongings are protected. Get a quote now.

Jewellery items are classed as items of value and are automatically covered inside the home against the insured risks up to the value of €3,000. 

If you need your jewellery to be covered both inside and outside the home on an "all risks" basis, or if any single item exceeds the single article value limit of €3000, it must be specified on your policy as additional cover. 

Please check our policy booklet for full information with terms and conditions

Check out our top tips to insuring and cleaning your valuable items.

For cover to other specific items like hearing aids, please speak to our team for further details.

While home insurance is not legally mandatory in Ireland, most mortgage providers do require you to have at least buildings insurance in place, to protect their interest in your home and before releasing mortgage funds if you're buying a new home.

Great question! The difference between Building and Contents Insurance can be confusing, but it's actually very simple.

1. Buildings Insurance: Covers the cost of repairing or rebuilding the physical structure of your home if it is damaged by an insured event. This includes items such as the walls, roof, floors, windows, doors, and permanent fixtures (e.g., fitted kitchens, bathrooms).

2. Contents Insurance: is insurance for your personal belongings in your home. You don’t need to be a homeowner, either, as many renters choose to also take out Contents insurance to insure their personal belongings.

And no, you don't need both. You can purchase separate policies and they do not have to be purchased together.

Remember, It’s important that you accurately assess the value of your rebuilding costs and contents, otherwise you may end up being underinsured which could impact any claims you make.

While you might not think you need it, it is recommended that you have home insurance on your holiday home. 

Learn more about our Holiday Home Insurance and get a quote now.

Most mortgage providers do require you to have at least buildings insurance in place, to protect their interest in your home prior to releasing mortgage funds. Get a home insurance quote now.

It is effectively mandatory in Ireland to have home insurance as part of your mortgage. At the very least, you'll need buildings insurance before your lender will release mortgage funds. Get a quote now.

Whether you're a landlord or a tenant, it is recommended you have adequate home insurance for your rented property. See our Landlord Insurance and Renters Insurance and get a quote now.

Generally speaking, it is recommended you have home insurance in an apartment regardless of whether you own it or are renting it.

If you own the apartment, then it is advisable to arrange contents insurance to protect your personal belongings. In most cases, the building itself is insured through the management company, so individual apartment owners typically only need to arrange contents cover.

If you are a tenant in an apartment, it is advisable to also arrange Contents insurance, so your own personal belongings are protected.

YES, you will need to notify your insurer if you decide you want to rent out part or all of your property. Contact us now if you need to discuss your policy cover.

NO.  In Ireland you do not have to buy home insurance from your mortgage provider. You are free to arrange insurance with any insurer you choose, and you can also switch your home insurance at any time throughout the term of your mortgage.

Check out our top tips to switching home insurance cover.

If you include specified items (All risks) on your contents policy these items will be covered outside the home in Republic of Ireland, Northern Ireland, Great Britain or the Continent of Europe; and elsewhere in the world for up to 60 days in any one period of insurance.

Check our Policy Document for full information and terms and conditions.

NO. Short term lettings, for example Airbnb, booking.com etc., are not covered.

Check our Policy Document for full information and terms and conditions.

Contents insurance covers items in the home against perils/insured risk for example fire, escape of water, storm, flood up to a single article/item limit of €3,000.

Check our Policy Document for full information and terms and conditions.

If your private home or rented property is deemed uninhabitable due to an insured risk for example, fire or flood, and you have buildings and/or contents insurance, we will pay for the cost of alternative accommodation no more than 15% of the buildings &/or contents sum insured.

Please check our policy booklet for full information and terms and conditions

YES, fire damage is an insured risk covered under Buildings &/or Contents policies.  

Check our Policy Document for full informaiton and terms and conditions.

YES, storm damage is an insured risk covered under Buildings &/or Contents policies.  

Check our Policy Document for full informaiton and terms and conditions.

At RedClick you can choose the level of cover tailored to suit your needs. Just ensure you have the right cover and you are not Underinsuring your Building &/or Contents cover.

Firstly you'll need to understand what is Underinsurance.

2.  Secondly check what your actual current home rebuild costs are.  If you have insured your policy for less than the current rebuild cost, then you must contact us to notify us of the correct value to insure your buildings for. This is to ensure we update your policy and that you're accurately covered.

It's also important to note that if you have completed any building extension work or renovations on your home, that you also notify us to ensure your policy is updated and that you're fully protected.

3.  Thirdly check the current value of your contents and if you have undervalued them or you need to specify any valuable item in particular, then you must contact us to update your policy to ensure you're accurately covered.

Please note It’s important that you accurately assess the value of your rebuilding costs and contents, otherwise you may end up being underinsured which could impact any claims you make.

Check out our blog explaining what is home Underinsurance.

Yes, this is covered, however an increased excess of €500 applies to any home insurance claim made for damage caused as a result of an escape of water unless otherwise noted in your Policy Schedule.

Please check our policy booklet for full information and terms and conditions that apply.

Our contents insurance provides cover for valuables such as jewellery, precious metals, watches, photographic equipment, works of art, antiques, furs, musical instruments, and collections of stamps, coins, medals or curios.

Any individual item worth more than €3,000 must be listed separately on your home insurance policy.

• If you only need cover for these items while they’re in your home, you can list them as High Value Items.
• If you would like the cover to extend to outside the home, the item must be specified as an All Risks Item.

Full details are available in our policy booklet.

Read our article on tips for storing, insuring and cleaning your jewellery.

Emergency Home Repair comes as standard on all policies that have both buildings and contents cover.

With Emergency Home Repair, you're covered for emergency repairs for:

• Plumbing
• Blocked drains and toilets
• Internal electrics
• Roof damage
• External glass
• Locks and keys

So if something happens, like a blocked drain or roof damage, you’ll be happy to know you’ve access to qualified tradesmen 24 hours a day, 365 days a year. You'll be covered up to €260 for each emergency and up to four emergencies within the insurance year.

Check your Policy Booklet for more information or go to https://www.redclick.ie/emergency-home-repair 

Buildings insurance, at least, is typically required before your lender will release mortgage funds to enable you to finalise the purchase your new home.  Get a quote now.

Yes, changes to your home security can affect your home insurance. For example, adding a security alarm to your home can help reduce your insurance premium. Get a quote now or contact us if you have recently made changes to your home security.