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Home Insurance Summary

Protection for your house and its contents

At QUINN-direct we offer a range of insurance cover for your home and its contents. You can choose between the level of home insurance cover. See below for an explanation of our home insurance cover.

Buildings Insurance Cover

Buildings are defined as the Private Dwelling including domestic outbuildings, garages, greenhouses, swimming pools, tennis courts, hot tubs, septic tanks, fuel tanks, terraces, patios, decks, driveways, footpaths, walls, fences, gates, hedges and fixtures and fittings. The home insurance policy provides cover for loss or damage to the Buildings caused by any of the following insured risks (subject to the terms conditions and exclusions of the policy):

As part of our buildings insurance cover we offer:

• Fire, lightning, earthquake and explosion
• Aircraft
• Theft or attempted theft
• Leakage of oil from any fixed heating installation
• Bursting, leaking or overflowing of water tanks, apparatus or pipes
• Storm and flood
• Falling trees
• Impact with the Buildings by vehicle, trailer or animal
• Riot, civil commotion, labour and political disturbances, vandalism and acts of malicious persons
• Subsidence or heave of the site on which the Buildings stand or landslip

Contents Insurance Cover

Contents are defined as household goods, valuables, sports equipment and personal effects belonging to you (or which are your responsibility) or belonging to members of your family or any other person (excluding tenants) permanently residing with you. The policy provides cover for loss or damage to the Contents caused by any of the above insured risks.

Accidental Insurance Cover

Accidental Damage is an optional extension to the Buildings and Contents cover which covers accidental loss or damage to Buildings and Contents subject to the terms, conditions and exclusions of the policy.

Policy Documents

• House Insurance Policy
• House Insurance Key Facts

FAQs

• What happens if I move house?
  You will have to cancel your existing policy and take out a new policy on your new home.
  What is the rebuild value of my house?
  If you are unsure of the rebuilding value of your house you should get an independent valuation from a builder, architect or surveyor
  What type of cover is available?
  We provide Buildings Insurance Cover & Contents Insurance Cover for Household insurance
  What is a policy excess?
  The first amount of any claim you must pay. We pay the balance
  I use my home for business, am I still covered?
  No, this policy does not cover any business use.