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
A buildings-only insurance policy, like a home insurance policy, safeguards your house against the unexpected.
In the unfortunate event that things go wrong, OUTsurance covers the cost of rebuilding your home, including garages, outbuildings, and permanent fixtures like kitchen units, bathroom fittings, and fitted wardrobes.
It also includes site clearance, architect’s fees, and structures such as patios, decking, and boundary walls.
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Buildings
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Fire and smoke
Fire or smoke damage that occurs at the premises of your buildings.
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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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Cover provided is subject to terms and conditions, click below to view 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 buildings insurance, 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 buildings insurance, we offer a suite of optional covers.
Buildings insurance covers you from damage or loss due to things like fires, flooding, storms, and theft.
You are not legally obliged to take out buildings 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 and 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 the rebuild cost of your home increases. Please read more details on Underinsurance here.
At OUTsurance, you always get something OUT. Take advantage of cashback on your buildings insurance premium, great service, value-for-money prices, and comprehensive car insurance protection.
We are passionate and honest about how we operate. We believe in offering a quality service experience at all times. From buildings insurance sales to buildings insurance claims and everything in between, we are a people business that’s here for you.
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.
The OUTsurance Group has 25+ years of experience in business, building a trusted reputation in South Africa and Australia, placing customers at the centre 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 the OUTsurance Group.
We take the time to learn about you and your home. We ask a number of questions to ensure we achieve a fair and accurately priced premium for your buildings insurance needs.
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.
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.
Switching to OUTsurance could mean savings on your home and car insurance. Hear what OUTsurance customers are saying about their experience.
Watch Client testimonials
Click here for more reviews.
You can find a few simple tips below that could help reduce your buildings 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 buildings 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.
In some cases, yes. 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.
You need to be able to cover the cost of rebuilding your house in the unfortunate event that you need to make a claim. The amount you insure your home for is the amount it would cost to rebuild your home. It is not about the market value of the house or the amount you paid for it. You can use the following SCSI calculator tool as a guide to estimate the rebuild cost of your home online!
At OUTsurance, accidental damage cover is available as an optional extra. Examples of accidental cover include if you accidentally break the glass of a door or large window or drill into a water pipe. To avail of this cover, you will need to select the optional extra, and it will appear on your policy schedule.
No, this is covered in your buildings insurance.
The sum insured is the maximum amount payable in the event of a claim. This is the total cost of rebuilding your house in the unfortunate event that you need to make a claim. You can use the following SCSI calculator tool as a guide to estimate the rebuild cost of your home. Please note that 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.
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:
For more information, please see our home policy booklet.
Your apartment property management company will usually take care of buildings insurance for apartment owners, however you should always check with them and also check what is covered. Sometimes, your management company’s coverage will exclude fitted kitchens and internal walls. This of course, will not cover your contents, and it is recommended to take out OUTsurance’s competitive Contents Insurance cover.
At OUTsurance we cover oil leaking from a fixed oil-fired heating installation, including smoke damage due to a faulty oil-fired heating installation. We also cover water escaping from, freezing or overflowing from within any plumbing, heating, water or drainage system, or any fixed domestic appliance.
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.
