Buildings Insurance

Discover the benefits of Buildings insurance with RedClick

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What is Buildings Insurance?

Buildings insurance protects your home should the worst happen. It’s especially important when buying a home and can save you money in the long term, on top of providing priceless peace of mind.

‘Buildings sum insured’ is the amount you insure your home for. This will determine the cost to rebuild your home in the event of damage. Buildings sum insured, however, doesn’t include the cost of the site and if you calculate the value of your home incorrectly or don’t tell your insurer about improvements you’ve made, you run the risk of being underinsured.

Our Buildings insurance includes standard cover for fire, escape of water, theft and storm or flood damage. One highlight of our Buildings insurance is our 24-hour Emergency Home Repair helpline that puts you in touch with reputable tradespeople in the event of an emergency in your home.

Furthermore, RedClick’s Home insurance provides a range of extra benefits and you can also choose to cover your personal belongings with Contents insurance. If you want to protect your vehicle, RedClick has you covered with some of the most affordable car insurance in Ireland.

Buildings Insurance Features and Benefits

We offer a range of benefits as part of our Buildings insurance, including these fantastic features.

Emergency Home Repair Helpline

The 24-hour Emergency Home Repair helpline puts you in touch with reputable tradespeople in the event of an emergency in your home. See your policy booklet for more. Call us any time on 091 501 688.

Public Liability

We cover damages that you are legally liable for as the owner of the building for accidents which happen during the period of insurance. We will pay up to €2,600,000 for any one event.

Accidental Damage

Accidental Damage is an optional extension to the Buildings cover which covers accidental loss or damage to Buildings subject to the terms, conditions and exclusions of the policy. Not available for holiday homes or landlord policies.

Check all cover and benefits of your home insurance

As standard, we provide cover for fire, escape of oil and water, theft, attempted theft, storm, flood, subsidence, vandalism or malicious acts and falling trees or aerials under our Buildings insurance policy.

	Cover
Emergency Home Repair (applies to policies that have both buildings and contents covered only) Read more We will cover the cost of the call-out, labour and materials needed for emergency repairs, for: plumbing, blocked drains and toilets, internal electrics, roof damage, external glass and locks and keys up to a maximum of €260 for each emergency, up to four call-outs per year. If you have both Buildings and Contents cover with RedClick, you will automatically receive Emergency Home Repair on your policy. This means if there is an emergency in your home, we can provide help 24 hours a day, 365 days a year. Emergency Home Repair Freephone number: 091 501 688 For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y
Loss of Rent or Cost of Alternative Accommodation Read more If your private home becomes unhabitable because of loss or damage caused by any of the insured risks, we will pay the reasonable cost of renting similar accommodation for the period you cannot live in your home (up to 15% of the sum insured). If your rented property becomes unhabitable because of loss or damage caused by any of the insured risks, we will pay the amount of rent you would have received if your home was let or the rent for which you as a tenant are legally responsible. We will not pay more than 15% of the buildings and/or contents sums insured. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y
Accidental Damage Read more Accidental Damage is an optional extension to the Buildings and Contents cover which covers accidental loss or damage to Buildings and Contents subject to the terms, conditions and exclusions of the policy. Not available for holiday homes or landlord policies. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Optional
Fire Brigade Charges Read more We will pay up to €2,000 for fire brigade charges as a result of any incident insured by your policy. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y
Public Liability Read more We cover damages that you are legally liable for as the owner of the building for accidents which happen during the period of insurance. We will pay up to €2,600,000 for any one event. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y
Access for Repairs Read more We will pay up to €650 to remove or replace any part of the buildings necessary to repair any fixed domestic water or heating installation where water or oil has escaped. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y
Title Deeds Cover up to €750 Read more We will cover the costs to prepare new title deeds up to a maximum of €750 if they are lost or damaged by an insured peril. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y
Home Electric Vehicle Charging Points Read more We will cover accidental damage to your home electric vehicle charging point once installed within the boundaries of your home. For full terms and conditions, please refer to our Policy Booklet which can be downloaded below.	Y

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Read our Frequently Asked Questions on Buildings insurance

What is covered by "accidental damage" under my home policy?

Accidental damage is optional and if you have selected it, you'll be covered for any sudden and unexpected damage which is not caused deliberately.

For example, on your buildings insurance, it would cover you for accidents such as putting a nail through a pipe.

On your contents insurance, it would cover you for accidentally spilling paint on a carpet.

More information is available in your policy booklet.

How do I renew my policy?

We'll send you your renewal quote about 30 days before your renewal date. It's very important that you carefully read your renewal information and let us know about any changes that could affect your policy.

Did you know you can now pay for your renewal online?

Policies starting with XB

There's no need for you to do anything. We'll automatically renew your policy and send you your new policy documents once we have received your payment. You can pay for your renewal on the Customer Portal.

You have the right to cancel the automatic renewal of your policy. You can advise us by phone or by email. Please contact us here at any time during the policy if you do not wish to automatically renew.

If you cancel the automatic renewal of the policy, your cover will cease at the renewal date unless you advise us to renew the policy before the renewal date.

You can find more information in the ‘Consumers’ section of the Competition and Consumer Protection Commission website.

Policies starting with GEI

If you currently pay for your policy on a monthly basis, there's no need for you to do anything. We'll automatically renew your policy and apply for your monthly direct debits as normal. We'll send your new policy documents once we have received your payment.

If you cancel the automatic renewal of the policy, your cover will cease at the renewal date unless you advise us to renew the policy before the renewal date.

You can find more information in the ‘Consumers’ section of the Competition and Consumer Protection Commission website.

What information will I need to provide in the event of an incident or a claim?

Do I have to report every incident or claim?

What information do I need to get a Home insurance quote?

For a home insurance quote, you will need details of the property to be insured, such as;

Rebuild value
Type of building
When it was built
How many bedrooms it has
How many smoke detectors are fitted
If any of the roof is flat

You'll also need to tell us about the area around the property, including any history of subsidence or flooding and whether or not there's a river bank or water close to the house.

If you're insuring your contents, you'll need to tell us the value of the contents and details of any items you would like to specifically name in the policy, and any high value items (individual items valued at over €3,000).

How long are quotes valid for?

What is Emergency Home Repair

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.

How do I request a household Indemnification Certificate?

Get our Home insurance Policy Booklet

Home Insurance Policy Booklet

PDF (365.04 kb)