If you have a property that is not currently occupied, you will still need a home insurance policy for it as you need to be covered for a range of possible events.


  • Fire, Smoke, Lightning, Explosion or Earthquake,
  • Aircraft
  • Storm flood or weight of snow
  • Collision by any vehicle or animal
  • Riot, violent disorder, strike, labour disturbance, civil commotion
  • Subsidence or heave or landslip
  • Falling trees, telegraph poles and lamp-posts
  • Debris Removal Costs
  • Architects/Surveyors costs
  • Purchaser’s Interest
  • Reinstatement of Sun Insured after Loss
  • Liability to Domestic Employees up to €3m
  • Legal Liability to the Public €3m

NOTE: Conditions may apply requiring water to be turned off between – 1 November and 31 March each year and water system drained.

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