Renters Insurance Cover Information & FAQs

Covers your possessions damaged or destroyed by fire or smoke. Fire Brigade charges up to €3,000 are also included in
your insurance.

Covers your possessions damaged or destroyed by a storm or flood.

Covers your possessions damaged or destroyed by a sudden escape of water. This can be caused by burst pipes, a broken washing machine and other plumbing issues in the home. You are not covered where the private house has been unoccupied for more than 35 days in a row. Damage caused by gradual leaks from baths, showers, sinks or toilets is also not covered.

Covers your possessions damaged, destroyed or stolen when a burglar forces their way into your home. Your possessions are also covered in the event of an attempted burglary. The cost of replacing stolen external door keys is covered.

You are not covered where the private house has been unoccupied for more than 35 days in a row.

Covers for any of your possessions in the event of an everyday mishap. For example, if a visitor spills coffee on your rug.

Take a look at the Household Policy document to see what exclusions apply.

Renters Insurance (also referred to as “contents only insurance”) is like a safety net for people living in rented
accommodation. Tenants buy it just in case something happens to their possessions, including laptops, jewellery,
phones and more. If you have Renters Contents Insurance with Allianz and one or more of your possessions are
damaged, destroyed or stolen, you can make a claim to get back some or all of the value if the claim is valid.

For more details on Allianz Renters Insurance please check out our Household Insurance policy document (contents insurance
section).

If you live in an apartment or house in a single occupancy, couple occupancy or shared occupancy (housemates) setting, you can get a quote* online in minutes.

*Minimum premium contents €86.10, all risks €12.60.

Please note: If you share a house with non-family members, each individual needs to take out their own renters insurance policy in order to protect their possessions.

No, Tenants Insurance is simply another term for Renters Insurance.

At Allianz, our product is called Renters Contents Insurance.

No, Landlords Insurance does not cover your possessions. It’s the responsibility of renters to get their own contents
insured, in other words Renters Contents Insurance. The person who pays Renters Insurance is the tenant, not the
landlord.

The answer to the question, “Do I need Renters Insurance?” is a personal one. That’s because Renters Insurance isn’t
mandatory or required by law.

You should get Renters Insurance if you want to cover your personal possessions if there’s a burglary, flood, fire or
other sudden event. Always remember that the person who needs Renters Insurance is the tenant.

If you’re a first timer, you might be wondering how to get Renters Insurance for an apartment or a house. The answer
is the same in both instances – simply fill in some details online about you, your home and what you want to cover.
You’ll get a quote in just a few minutes and then you can decide if you want to take out the policy or not. You can get a
quote with Allianz here.

There are a lot of Insurance Companies out there that offer Renters Insurance, so it can be confusing picking
somewhere. Here are some of the main qualities your insurance company should have:
 

• A well-known name and a good reputation
• The cover you need for your possessions
• Straightforward claiming process
• Excellent customer service
•  

The cost of Renters Insurance in Ireland depends on what you want to insure, the type of home you live in and your
area. For most people, Renters Insurance usually costs about the same as a few cups of coffee a month.

To find out exactly how much Renters Insurance costs for an apartment or house that you’re renting, simply fill in your
details online and get a quote in minutes.

You can get a personalised quote here.

Renters Insurance covers the damage or loss of your possessions if something sudden happens, like a burglary or a
flood. It also covers liability claims made against you.
 

At Allianz, even basic Renters Insurance ("The Basics") covers a lot of different types of things. For example, it
covers your possessions, up to a certain value, that are damaged, destroyed or stolen in your home.
 

As well as that, The Basics Renters Insurance covers accidental damage to your TV. You can also claim for alternative accommodation: if there’s a fire or similar and you can’t live in your home.
 

If you want, you can also get extra cover for items you take outside your home, for example bicycles and jewellery.

Yes, this is an optional cover on the policy. To include this cover, you can add specified or unspecified all risks cover to you package. This cover has the added benefit of having no excess.