Home Insurance
10% cashback on your premium
You always pay IN, so why shouldn’t you get something OUT! We'll reward your loyalty and claims record with a recurring cash payout that we call the OUTbonus. Get 10% of your home insurance premium (less taxes and levies) back in cash when you hold your policy claim-free for 3 years. * Read terms & conditions here.
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Why choose OUTsurance home insurance?
At OUTsurance, you always get something OUT. Take advantage of cash back on your home insurance premium, great service, value-for-money prices, and comprehensive home insurance protection.
We are passionate and honest about how we operate. We believe in offering a quality service experience at all times. From Home Insurance sales to home insurance claims and everything in between, we are a people business that’s here for you.
We take the time to learn about you and your unique home usage. We ask a number of questions to ensure we acheive a fair and accurately priced premium for your insurance needs.
We will reward your loyalty and claims record with a recurring cash payout that we call the OUTbonus. Get 10% of your insurance premiums (less taxes and levies) back in cash when you hold your policy claim-free for 3 years.* Read terms & conditions here.
We understand that you need us most when things go wrong. That's why we're committed to making the claims process as quick and easy as possible.
The OUTsurance Group has 25+ years of experience in business, building a trusted reputation in South Africa and Australia, placing customers at the center of everything we do. Our insurance policies include an attractive range of features and benefits as standard, with optional covers to suit your needs. Learn more about our Group here.
We are an Irish-Based insurance company located in Cherrywood, Dublin. Our call centre agents will support and assist you with getting the right level of insurance cover.
OUTsurance offers home insurance for homeowners. With comprehensive policies for houses and bungalows, find a home quote that’s right for you.
A combined buildings and contents insurance policy covers the structure of your home and your belongings should the worst happen.
A contents only insurance policy covers your belongings and is typically available for people living in apartments. Please note that we dont currently offer contents only cover.
OUTsurance offers home insurance for homeowners. With comprehensive policies for houses and bungalows, find a home quote that’s right for you.
A combined buildings and contents insurance policy covers the structure of your home and your belongings should the worst happen.
A contents only insurance policy covers your belongings and is typically available for people living in apartments. Please note that we dont currently offer contents only cover.
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Buildings
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Content
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Fire and Smoke
Fire or smoke damage that occurs at the premises to your buildings and/or contents.
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| Escape of Water |
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| Storm, lightning or flood |
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| Earthquake and explosion |
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| Theft or Attempted Theft |
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| Riot, strikes, labour, political disturbances |
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| Malicious Damage |
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| Subsidence |
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| Impact |
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| Radio and television aerials |
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| Oil leaking |
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| Falling Trees or branches |
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| Owners Liability |
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| Employers Liability |
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| Public Liability |
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| Liability as a tenant |
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Click below for important documentation:
Home insurance policy booklet | Terms of Business | Home insurance IPID
We get that sometimes you might need a bit more cover to suit your situation. Which is why, on top of our standard home insurance policies, we offer a suite of optional covers.
We get that sometimes you might need a bit more cover to suit your situation. Which is why, on top of our standard home insurance policies, we offer a suite of optional covers.
The OUTbonus has landed. Get 10% of your insurance premiums (less taxes and levies) back in cash when you hold your policy with OUTsurance claim-free for 3 years.* You always pay IN so why shouldn’t you always get something OUT! Terms & conditions apply.
Read MoreHome insurance (also known as house insurance) covers your home and/or possessions from damage or loss due to things like fires, flooding, storms, and theft. You are not legally obliged to take out home and contents insurance, but if you have a mortgage, your lender can insist that you have buildings insurance. This will ensure you are covered for rebuild costs if your home is destroyed, for example in a fire. Even if you don’t have a mortgage as you own your home outright, home insurance will protect you financially in the event of burglary, fire or other damage.
Underinsurance occurs when a home is insured for less than the replacement value. This could occur by simply electing for the incorrect value of your home. However this can also occur due to inflation where costs rise overtime and properties are valued more overtime. Please read more details on Underinsurance here.
It’s a good idea to have some basic information about your property to hand when starting a home insurance quote with us, including:
The type of property, number of bedrooms, bathrooms and floors and other structural details.
Also known as ‘reinstatement value’. The amount it would take to rebuild the property if it was demolished.
Your occupation, your home insurance history and details of previous claims.
The estimated cost of replacing the contents of your home as new.
You can find a few simple tips below that could help reduce your home insurance price.
Although there’s an upfront outlay, paying annually tends to work out more cost effective than paying in monthly instalments.
Install burglar alarms, fire alarms and smoke detectors to help manage the risk.
Ensure to shop around and compare home insurance quotes to get the best deal, and the right cover at the right price.
You can find a few simple tips below that could help reduce your home insurance price.
Although there’s an upfront outlay, paying annually tends to work out more cost effective than paying in monthly instalments.
Install burglar alarms, fire alarms and smoke detectors to help manage the risk.
Ensure to shop around and compare home insurance quotes to get the best deal, and the right cover at the right price.
At OUTsurance, accidental damage cover is available as an optional extra. By selecting this cover, you will be covered for accidental damage to the property you have insured with us. Examples of accidental cover include:
For contents:
- If you are spring cleaning and moving your TV and by accident drop it.
Building:
- If you accidentally break the glass of a door or large window.
To avail of this cover you will need to select the optional extra and it will appear on your policy schedule.
The sum insured is the maximum amount payable in the event of a claim. Depending on the level of cover you have chosen, you will need to specify a sum insured for your:
- Contents
- Buildings
- Portable items
For contents your sum insured is the total replacement cost of the contents inside your home. This should include items like your couch, beds, curtain, carpets and clothing for example.
For buildings, the sum insured is the total rebuild cost of your home. When calculating your building sum insured it is important to consider things like:
- Permanent fittings like wooden floors or kitchens and bathroom sanitary fittings
- Demolition and clean up costs
- Rebuilding paths, driveways, patios, fences, boundary walls and decking
- Professional fees such as architects, engineers, surveyors, plumbers etc.
You can use the following calculator as a guide to your rebuild cost.
Please note, your rebuild cost is not the market value for which you would sell your house. This value takes into consideration market trends and the land.
Yes, you are covered for up to €3 million if you take our home insurance.
If you hold buildings insurance, we will cover you for any amount that you may be legally liable to pay as owner of the premises. Examples include:
- Death or accidental bodily injury to any person other than You, any Household member(s) or Domestic Employee/s
- Accidental Damage to property other than property belonging to or under the control of You, Household member(s) or Domestic Employee/s
For more information, please see our Home policy booklet.
Any items valued at over €2500 should be noted on the policy. Our skilled agents will gladly assist and ensure your items are noted accordingly.
A fitted kitchen is part of the immovable property at the home, and thus falls under Buildings Insurance cover.
To avail of cover for personal belongings outside of the home, you will need to select the optional portable items cover. If you have selected this cover it will appear on your schedule. We offer unspecified cover for items under €1000 and items over €1000 will need to be noted seperately on the policy schedule.
An insurance excess refers to the amount of money that you, as the policyholder, agree to pay towards the cost of a claim. For example, where a claim has a total cost of €1000 and your excess is €250, you will pay the excess and your insurer will pay €750. This is a standard practice in insurance and is designed to share the financial responsibility between you and your insurer. For details on the excesses applicable under your policy, please refer to your schedule.
The contents in your shed or garage is covered, however this is limited to 10% of your contents sum insured.
We provide garden and leisure equipment cover as an optional cover that is available for you to select. This will provide cover against loss or damage to, for example, garden furniture, barbeque equipment, pool cleaning equipment and trampolines.
The maximum amount that will be paid out in the event of a claim is €1000.
Underinsurance occurs when a home is insured for less than the replacement value. This could occur by simply electing for the incorrect value of your home. However this can also occur due to inflation where costs rise overtime and property's are valued more overtime.
For example, if a property's replacement value is €100,000 and it is only insured for €80,000. Then the property is underinsured by 20%. This would result in claims being paid proportionally. Should your house be a total loss and require a total rebuild then the most you will receive is €80,000.
Should there be a claim for €10,000, then 80% of the claim will be entertained and a max of €8,000 will be paid.
Should you have any queries regarding underinsurance, please contact us for assistance or read more details on Underinsurance here.
If you remain claim free for a period of three consecutive years, you get 10% of your paid insurance premiums (less taxes and levies) back in cash. Read terms & conditions here.
We care about protecting what matters to you. Our contact centre is ready to take your call.
Visit our Contact Us page.
We will own the claims journey. You can trust us to help you get what you need when claiming.
Learn more about making a claim on our Claims page.
Looking to take the next step with your career?
Visit our Careers page to review open roles and apply.
We care about protecting what matters to you. Our contact centre is ready to take your call.
Visit our Contact Us page.
We will own the claims journey. You can trust us to help you get what you need when claiming.
Learn more about making a claim on our Claims page.
Looking to take the next step with your career?
Visit our Careers page to review open roles and apply.
