Home Insurance
Welcome to a completely new kind of home Insurance. From arranging cover to making a claim, Home Union Options has been specially designed to make life easy for you.
And to prove this point there are just 3 simple steps to take:
Step 1
Buildings: determine your building replacement value making provision for professional and site clearance fees.
(The maximum insured is € 650,000 and the minimum is € 120,000)
Step 2
You can cover your contents for either 50% or 25% of the value of your premises.
(The maximum insured is € 127,000 and the minimum is € 30,000)
Optional cover: you can cover all your personal property requirements in one simple policy by selecting from our extensive range of optional covers which include all risks (specified and amp; unspecified), caravans/mobile homes, small pleasure craft, home, office and guesthouse.
Discounts
| Condition | Discount |
Age over 50 | 10% |
| Age over 60 | 15% |
| Neighbourhood Watch, Community alert, Smoke Detector | 5% |
| €317 Voluntary Excess | 5% |
| €634 Voluntary Excess | 10% |
To qualify for cover The private house must:
- Be the principal residence
- Must date from 1900 - except where specifically agreed.
- Be occupied for residential purposes only and/or where not more than 6 paying guests (at any one time) are kept in the private house
- Be of standard construction -Constructed of Brick, stone or concrete and roofed substantially (at least 70%) with slates, tiles, metal, concrete or asphalt.
- Be in good repair and so maintained
- Not be in an area with a history of flooding or subsidence
The proposer or member of his/her household must not be:
- Have been declared bankrupt of convicted or charged with arson or any offence involved dishonesty of any kind
- Have had any insurance declined or made subject to special terms
- Have had more than one claim in the past three years exceeding €3,810 for loss, damage or liability under home insurance policy.
A Short Summary of Events Covered
- Fire, explosion, lightning, earthquake
- Smoke
- Storm andamp; flood
- Freezing, Escape or Overflow of water or oil
- Impact by aircraft or vehicle
- Riot, civil commotion and malicious damage
- Theft or attempted theft
- Subsidence
- Accidental damage to TV, audio/video and computer
- Falling trees, radio/TV masts or aerials
- Breakage of glass andamp; sanitary fittings
- Legal liability in respect of domestic employees up to € 6,348,690
- Legal liabilities arising from ownership and occupancy of your home up to € 3,174,345
- Compensation of € 3,174 for fatal injury to the insured and/or spouse resulting from fire/assault or accident at the premises
- Door locks replacement following break-in or assault
- Food in deep freezers up to €635
- Contents sum automatically increased by 10% for the months of December and January
- Contents sum insured increased by 10% for one month before and after the wedding day of you or a member of your family
