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. *Terms & conditions apply

Get a home insurance quote.
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Acceptance criteria, terms and conditions apply. OUTbonus calculated less taxes and levies.

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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.

Passion for service

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. 

Value-for-money prices

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.

Cashback with OUTbonus

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.

Efficient with claims

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.

Decades of experience

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 the OUTsurance Group.

Irish-Based company

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.

What type of home insurance do you need?

OUTsurance offers home insurance for homeowners. With comprehensive policies for houses and bungalows, find a home quote that’s right for you.

What type of home insurance do you need?

OUTsurance offers home insurance for homeowners. With comprehensive policies for houses and bungalows, find a home quote that’s right for you.

Home insurance cover
Protect your personal belongings, household items, and any items of high value inside your home. Our Home Insurance policy includes an attractive range of features and benefits as standard, with optional covers to suit your needs. The following table highlights the cover offered under our buildings and contents insurance product.
Buildings
Content
Fire and Smoke
Fire or smoke damage that occurs at the premises to your buildings and/or contents.
Checked
Checked
Escape of Water
Checked
Checked
Storm, lightning or flood
Checked
Checked
Earthquake and explosion
Checked
Checked
Theft or Attempted Theft
Checked
Checked
Riot, strikes, labour, political disturbances
Checked
Checked
Malicious Damage
Checked
Checked
Subsidence
Checked
Checked

Click below for important documentation:

 

Home insurance policy booklet  |  Terms of Business  |  Home insurance IPID

OUTsurance’s home insurance optional extras

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.

OUTsurance’s home insurance optional extras

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.

OUTbonus – Get 10% Cashback

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 More
Why do you need home insurance?

Home 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.

What do you need to get a home insurance quote?

It’s a good idea to have some basic information about your property to hand when starting a home insurance quote with us, including:

Property Details

The type of property, number of bedrooms, bathrooms and floors and other structural details.

Rebuild Cost

Also known as ‘reinstatement value’. The amount it would take to rebuild the property if it was demolished.

Personal Details

Your occupation, your home insurance history and details of previous claims.

Household Contents

The estimated cost of replacing the contents of your home as new.

How can you get cheaper home insurance quotes?

You can find a few simple tips below that could help reduce your home insurance price.

How can you get cheaper home insurance quotes?

You can find a few simple tips below that could help reduce your home insurance price.

Frequently asked home insurance questions
What is accidental damage cover?

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.

What is sum insured?

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.

Do I get liability cover?

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.

What do you class as a high valued item, and what do I need to specify on my policy?

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.

Is a fitted kitchen covered under Building Insurance?

A fitted kitchen is part of the immovable property at the home, and thus falls under Buildings Insurance cover.

Are my personal belongings covered outside of the house?

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.

How does an insurance excess work?

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.

Are the contents of my shed or garage covered, such as a lawnmower or tools?

The contents in your shed or garage is covered, however this is limited to 10% of your contents sum insured.

Is my garden furniture covered?

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.

What is Underinsurance?

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.

What is the OUTbonus?

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.

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OUTsurance in the media
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*Your OUTbonus operates across all your policies with OUTsurance (with the same customer number). When you make a claim your OUTbonus is forfeited, and the three-year cycle starts again. However, certain claims like windscreen repair do not effect your OUTbonus. You need to remain a customer with OUTsurance for the entire OUTbonus period to receive your OUTbonus.