/prod01/channel_26/media/fbd2018/img/FBD_Logo.png){kind=logo}
Home insurance is a form of financial protection for your most valuable asset. It covers the private home, your contents and personal belongings against common risks such as fire, storms, floods, theft, and burst pipes.
Home insurance is not a legal obligation; however, it may be a condition of any mortgage which may be taken out on the property.
/prod01/channel_26/media/fbd2018/img/home-2023.png)
%
Up to 50% No Claims Discount
Based on 5 years claims free%
10% Online Discount
New policies only%
10% Multi-product Discount**
%
0% Direct Debit Service Charge
* Price based on new online sales 1st Nov 2024 to 31st Oct 2025. Excludes contents only policies.
** Get 10% off a new home insurance policy, by phone or in branch only, if you or a family member living with you has a car, home, van, farm or business policy with FBD Insurance.
** Get 10% off a new home insurance policy, by phone or in branch only, if you or a family member living with you has a car, home, van, farm or business policy with FBD Insurance.
Home insurance
FBD Insurance offers insurance for home owners, renters and landlords. With great policies for houses and apartments, you’ll find a home insurance quote that’s right for you.
Cover Options, Features & Benefits
Whether you’re a home owner, renter or landlord, with FBD Home Insurance we have a variety of options available to suit your needs.
Customers affected by MICA or Pyrite
If your home is affected by MICA or Pyrite, we recognise the difficulties faced by our customers as a result of this. For more information on the schemes for houses affected by pyrite or mica, please click here.
If you have any queries regarding your policy, please contact us and a member of our team will assist you.
|
Contents Only Cover
Available for House Owners, Apartment Owners & Renters
|
Buildings and Contents Cover
Available for House Owners only
|
|
|---|---|---|
|
Glass cover for buildings or contents If you have buildings cover, we will pay up to €1,300 for the accidental breakage of: |
Included
|
Included
|
|
Alternative accommodation If the private home cannot be lived in because of damage caused by peril 1-13 of Section 1A - Buildings, we will pay for the reasonable necessary costs you incur for similar alternative accommodation for you and members of your family or your household permanantly living at the private home. We will pay this benefit only for the period necessary to reinstate the buildings of the private home, up to a maximum of 20% of your buildings sum insured. |
Not included |
Included
|
|
Trace and access costs in locating the source of oil and water leak We will pay up to €650 to remove or replace any part of the buildings if this is necessary to repair any fixed household water or heating installation which has caused an escape of water or oil. |
Not included | Included |
|
Fire brigade charges We will pay fire brigade charges up to €2,000 as part of a valid claim for loss of or damage caused by an insured peril (1 to 13) of Section 1A - Buildings or an insured peril (1 to 12) of Section 1B - Contents. |
Included
|
Included
|
|
Home electric vehicle (EV) charging points Do you own an electric vehicle (EV) charging point? |
Not included |
Included
|
|
Home office equipment Will will pay up to €3,800 for loss or damage to home office equipment caused by an insured event under Section 1-13 of Section 1 A - Buildings of this policy or 1-12 of Section 1B - Contents. |
Included
|
Included
|
|
Clean up expenses We will pay reasonable necessary oil clean-up expenses up to €1,300 if the expenses are caused by an escape of oil from any fixed domestic installation. |
Not included | Included
|
|
Property owners liability We will provide you with cover for amounts you legally have to pay up to €2.6 million as owner of the private home described in the schedule or arising in a personal capacity for injury to third party or damage to property. |
Not included | Included |
|
Death benefit for you and/or your spouse or partner
We will pay a once off benefit of €30,000 in the event of your death, or the death of your spouse or partner permanently living with you in the private home if the death occurs from outward, visible and violent injury directly caused by:
|
Included
|
Included
|
|
24 hours 'Find a tradesperson' helpline Our ‘Find a tradesperson’ helpline is available 24 hours a day, 365 days a year. This helpline provides you with a directory of tradespeople who you can engage at your own expense, including plumbers, electricians, glaziers, locksmiths or roofers. There is no cover for costs associated with call outs or repairs unless there is a valid claim under the home insurance policy. If there is a valid claim, any costs of the repairs covered under the policy will be repaid as part of the claims settlement. |
Included
|
Included
|
|
Loss of central heating oil, domestic heating oil or gas We will pay up to €650 for loss of central domestic heating oil or gas as a result of loss or damage caused by an insured peril (1 to 12) of Section 1B - Contents. |
Included
|
Included
|
|
Accidental damage to audio & video equipment We will pay up to €2,000 for any one event of accidental damage to television sets, audio, video and home computer equipment, provided
|
Included
|
Included
|
|
Financial loss resulting from a credit or debit card being stolen We will pay up to €650 to cover financial loss incurred by you, or any member of your family permanently living with you, arising from the unauthorised use of personal cheques or any bank or credit cards credit, bankers or cash dispenser cards anywhere in:
|
Included
|
Included
|
|
Replacements locks We will pay up to €1,200 to cover the cost of replacing external door locks in the private home or any domestic outbuilding, any domestic safe, or any burglar alarm keyswitch, if the keys (or keyless entry devices) have been lost, damaged or stolen and cannot be recovered. |
Included
|
Included
|
|
Contents temporarily moved We will pay up to 15% of your contents sum insured for loss of or damage to contents caused by an insured peril (1 to 12) of Section 1B - Contents, while the contents are temporarily removed from the main building or domestic outbuildings of the private home to another premises where you or any member of your family are temporarily living in Ireland, Northern Ireland, Great Britain, the Isle of Man, or the Channel Islands. |
Included
|
Included
|
|
Jury service We will pay €25 for each day that you or your spouse or partner permanently living with you in the private home attends jury service in any law court in the Republic of Ireland provided we receive written proof. The most we will pay under this benefit is €650. Your no claim discount will not be affected if you make a claim under this heading. |
Included
|
Included
|
|
Cover for wedding & Christmas presents We will increase your contents sum insured by 20% for a period of 30 days before and 30 days after the date of the wedding day of you, or any member of your family permanently living with you, to cover wedding presents while contained in the main building or domestic outbuildings of the private home. |
Included
|
Included
|
|
ADDITIONAL BENEFITS |
||
|
Contents in the open We will pay up to €650 for loss of or damage to contents in the open caused by an insured peril (1 to 12) of Section 1B - Contents, while the contents are within the boundary of the site on which the private home stands. |
Included
|
Included
|
|
Title deeds We will pay up to €1,000 to cover the cost of preparing new title deeds to the buildings insured under your policy if they are lost or damaged by any of the perils insured under your policy while in the private home, or with your bank, building society or solicitor for safe-keeping. |
Included
|
Included
|
|
Loss of food in a fridge or freezer We will pay up to €500 to cover the cost of loss, destruction or damage to food stored in a fridge or freezer, if it is caused by a rise or fall in temperature, or contamination from refrigerant or refrigerant fumes. |
Included
|
Included
|
|
Visitor or employee personal belongings We will pay up to €1,300 for loss or damage to the personal belongings, of any visitor to the private home, or domestic employee, provided the loss or damage:
|
Included
|
Included
|
|
Tenant liability If under a written contract you are responsible for the private home, and/or landlord’s fixtures and fittings, we will pay up to 10% of your contents sum insured in the event of a valid claim for loss or damage to the private home or landlord’s fixture and fittings, caused by any of the insured perils (1 to 9) of Section 1B - Contents. |
Included
|
Included
|
|
Liability to domestic employees We will provide you with cover for amounts you legally have to pay up to €2.6 million inclusive of all legal costs and expenses, for bodily injury which occurs during the period of insurance to any domestic employee, in the course of their employment by you relating to the private home.
We will also pay
|
Included
|
Included
|
|
Occupiers & personal liability We will provide you with cover for amounts you legally have to pay up to €2.6 million inclusive of all legal costs and expenses as occupier of the private home described in the schedule or arising in a personal capacity for accidental death or bodily injury or illness or accidental damage to property. |
Included
|
Included
|
|
Accidental damage to underground pipes & cables We will pay up to 5% of the buildings sum insured for the accidental damage to underground pipes and cables servicing and extending from the private home to the public mains and for which you are legally responsible. |
Not included |
Included
|
Terms and conditions will apply to the cover(s) provided, please refer to our Policy Booklet which can be downloaded below.
Protect your home with FBD
Every home is unique and we know it’s the little things that make it special. We want you to relax at home, knowing that FBD Insurance has you covered. Our home Insurance policies include a great range of features and benefits:
Home Emergency
Assistance
Provides assistance to repair or secure your home and protect you from further loss or damage in the event of an emergency. Qualifying criteria and limits apply. Learn more
Home insurance FAQs
We want to make sure you know exactly what you’re protected for. Please review our FAQs or reach out to our customer support team for further assistance.
We have a range of cover options for you to choose from, depending on your individual needs. Whether you need buildings and contents, contents- only or just buildings cover, we have the right cover for you.
Building and contents, this is the most comprehensive cover. The cover includes the private home, domestic outbuildings, fixtures and fittings, contents and personal belongings.
While home insurance is not a legal obligation, you may find that you have to take out home insurance as part of the mortgage process if you’re buying a house in Ireland.
The building sum insured is based on the rebuild cost of the private home. While not a requirement, contents insurance is also highly recommended to protect your contents and personal belongings in the event of accident or claim by an insured event.
In Ireland, while home insurance is not a legal obligation, but it may be a condition of any mortgage which may be taken out on the property.
To get a home insurance quote you will need to provide detailed information about yourself and your private home. The information below is an example of what you may be asked to provide.
- Property information: This includes your name, date of birth, email address, contact telephone number and claims history for the last five years.
- Your personal details: You will need to provide the address of the property to be insured, the Eircode, and the rebuild cost of your home and domestic outbuildings, along with the value of your contents and personal belongings.
- The property type: (e.g., detached, semi-detached), construction type (walls, roof type), and year of build. A crucial detail is the rebuild cost, (which is the cost to rebuild the house from scratch, not the market value).
- Coverage preferences: You will need to specify whether you want buildings and contents or buildings only or contents only.
For contents, you'll need to estimate the total value of your contents and personal belongings and list any high-value items separately. You may have the option to add on additional cover, such as accidental damage or "all-risks" cover.
To calculate how much home insurance cover you need, you must consider two main components:
Buildings insurance: This should cover the full rebuild cost of your private home, not its market value. The best way to estimate this is by using the Society of Chartered Surveyors Ireland (SCSI) House Rebuild Calculator. You should also add the cost of rebuilding any unique features or other structures like a garage or shed. For complex or older homes, a professional surveyor's valuation is recommended.
Contents insurance: This should cover the cost of replacing all your contents and personal belongings with new items. The best way to calculate this is to go through your house room by room, creating a detailed inventory and estimating the current value for everything you own, including furniture, electronics, clothing, and other valuables.
You should insure your home for the
You should make an additional provision in setting your “sum insured” for costs in removing debris after a loss and architects’ fees, as well as additional costs in rebuilding to current construction and local authority regulations. The Society of Chartered Surveyors issue an annual guide in respect of home reinstatement. For more information visit its website, www.scsi.ie.
Buildings insurance includes cover for the private home, fixtures and fittings and domestic outbuildings as well as structures such as patios, decking, paths, drives and boundary walls.
Contents insurance includes cover for household goods, personal belongings and valuables contained within the private home and domestic outbuildings. Contents cover makes sure your most valuable items and belongings are protected.
Building and contents insurance is the most comprehensive cover.
Cover is subject to the limits of liability, conditions and exclusions recorded in your schedule and in the home policy booklet.
Buildings insurance includes cover for the private home, as well as fixtures and fittings, such as fitted kitchens and bathrooms. It also includes cover for domestic outbuildings and structures like patios, decking, drives, paths and boundary walls.
Cover is subject to the limits of liability, conditions and exclusions recorded in your schedule and in the home policy booklet.
Building insurance covers the structure of your home and its fixtures, such as fitted kitchens, bathroom sanitary fittings, built-in wardrobes and fireplaces.
Cover is subject to the limits of liability, conditions and exclusions recorded in your schedule and in the home policy booklet.
Contents insurance covers the moveable items in your private home and domestic outbuildings at the insured address against loss or damage caused by specified insured events (perils). These items typically include furniture, appliances, electronics, soft furnishings, and personal belongings - everything you would take with you if you moved house.
Cover is subject to the limits of liability, conditions and exclusions recorded in your schedule and in the home policy booklet.
Contents insurance should cover everything you would normally take with you if you sold or moved out of your property. If your carpets are fitted, then they are considered a permanent fixture and will be covered under buildings insurance.
Specified All Risks cover is an optional additional cover for home insurance that protects your personal valuables against accidental loss, theft, or damage, both inside and outside your home.
Categories of specified items can include:
- Electronics such as laptops, mobile/smart phones, and cameras
- Pedal cycles
- Jewellery
- Other personal belongings
Cover is subject to the limits of liability, conditions and exclusions recorded in your schedule and in the home policy booklet.
Personal items are not automatically covered away from the home. Specified All Risks cover is an optional additional cover for home insurance that protects your personal valuables against accidental loss, theft, or damage, both inside and outside your home.
Categories of specified items can include:
- Electronics such as laptops, mobile/smart phones, and cameras
- Pedal cycles
- Jewellery
- Other personal belongings
Cover is subject to the limits of liability, conditions and exclusions recorded in your schedule and in the home policy booklet.
Yes, contents insurance covers the contents, which are used for domestic purposes, stored in any domestic outbuildings including domestic garages, provided the sums insured are adequate.
Cover is subject to the limits of liability, conditions and exclusions recorded in your schedule and in the home policy booklet.
Yes, your Home Insurance policy covers you for loss, destruction, or damage to food in a fridge or freezer, due to a rise or fall in temperature or contamination from refrigerant or refrigerant fumes.
The most we will pay for any one claim is €500.
Cover is subject to the limits of liability, conditions and exclusions recorded in your schedule and in the home policy booklet.
Our home insurance policies do not cover any loss as a result of power outages or loss of utility supply.
Yes. Accidental fire damage to your home or your belongings is covered by a standard home insurance policy, which has building and contents cover included.
Cover is subject to the limits of liability, conditions and exclusions recorded in your schedule and in the home policy booklet.
We will pay fire brigade charges up to €2,000, as part of a valid claim for loss of or damage to buildings caused by an insured peril.
Yes. If you have a valid claim, you will be covered subject to your policy terms, conditions and exclusions. Examples include, among others, a higher excess amount will apply to valid claims for flood, and no flood damage cover applies to roofs built with torch-on felt over ten years old, or to roofs built with other felt over five years old. All other terms and conditions of cover will be shown in your schedule and policy booklet.
It is important to note that not all FBD Home Insurance policies have the same level of cover, so please check your schedule and policy booklet for the level of cover under your home insurance policy.
Underwriting acceptance criteria may apply.
Yes. If you have a valid claim, you will be covered subject to your policy terms, conditions and exclusions. Examples include, among others, a higher excess amount and no storm damage cover for loss or damage caused by frost, subsidence, or landslip. All other terms and conditions of cover will be shown in your schedule and policy booklet.
It is important to note that not all FBD Home Insurance policies have the same level of cover, so please check your schedule and policy booklet for the level of cover under your home insurance policy.
Underwriting acceptance criteria may apply.
Home insurance generally covers individuals working from home as employees of a business, which offers hybrid working. Our home insurance policy, where contents cover is included, automatically covers home-office equipment you own up to €3,800.
It is important to be aware that once your policy has started, we will not cover the buildings or domestic outbuildings of the private home if these are used for business purposes or for the storage of commercial goods, unless you have told us about this and we have agreed to cover them.
You may require additional types of insurance coverage for particular business activities. Where there is any type of business operating from the home, this will need to be disclosed to us for individual risk assessment.
Your protection under our home insurance product depends on your circumstances, your home and occupancy type, and the level of cover you purchase.
No cover will apply, unless you have told us that you have rented out a room in your home, and we have agreed to cover this. You have a duty to tell us if there is a change in the occupancy or use of the private home including if the private home or domestic outbuildings are lent, let, or sublet, or if there is a change in the number of tenants.
The private home at the risk address recorded in your schedule, which is used for domestic purposes by you or a member of your family as your primary residence will cover you for up to two paying guests.
No. Your home insurance will not cover a caravan or mobile home.
Your policy contains exclusions for any private home that is unfurnished or unoccupied. We deem a private home to be unoccupied, if for 45 days in a row or more during the period of insurance, it is not lived in by you, a member of your family or your household, or any other person who has your permission to live there.
We may not be in a position to accept any claim you have in connection with a private home that is unfurnished or unoccupied, unless you have specifically told us about this and we have agreed to cover it.
Loss of rental income is an optional additional cover that can be included at an additional cost, to cover loss of rent incurred should the property become uninhabitable following a valid claim as a result of an insured peril. The maximum amount we will pay is the amount declared to us and noted on the schedule.
Loss of rental income will only apply to your policy if it is recorded in your schedule.
Cover is subject to the limits of liability, conditions and exclusions recorded in your schedule and in the home policy booklet.
It is the responsibility of the landlord (the person who owns the property) to ensure there is buildings insurance in place.
Contact our sales and customer service team. Our support team is here to provide fast, reliable assistance every step of the way.
Phone: 0818 18 18 18
Monday - Friday, 8am - 7pm, Saturday, 10am - 2pm
info@fbd.ie
You can send our support team a request to change some of the information we might have on our systems. Visit Update my Personal Details to send a change request. You will need your policy number.
Contact our sales and customer service team. Our support team is here to provide fast, reliable assistance every step of the way.
Phone: 0818 18 18 18
Monday - Friday, 8am - 7pm, Saturday, 10am - 2pm
info@fbd.ie
You can pay in full when taking out your policy over the phone, online, or at your local FBD Insurance branch.
Payment methods include cash, electronic funds transfer, and credit or debit card. We may also offer an instalment option in line with our terms of business — we record this on your premium breakdown if it applies to you. If you buy your policy from a broker, you will need to ask them how to pay.
Contact us or renew online.
To renew online you will need your renewal number and renewal PIN which can be found in your renewal documents which you will receive by post prior to your renewal date.
Maintaining a no claims discount is the best way to help minimise your premium.
Making your house secure by reducing the risk of burglaries is one way to help with this. Also, keeping your property maintained can minimise potential claims. For example, making sure any plumbing or electrical work is carried out by registered professionals.
Write to us with your cancellation instructions by email at info@fbd.ie or contact your broker if you purchased your policy from them.
We’ll cancel the policy in line with our terms of business from the date we receive your instructions. The email address from which we receive your cancellation instruction must correspond with the email address we have on file for you. A policy in joint names or in a company name will require signed authorisation from all policyholders.
If you cancel within the 14-working day cooling-off period, we will return any premium paid for the period of insurance left to run. We will also do this if you cancel outside the cooling-off period, but only after any cancellation charge is applied and provided there is no claim on your policy.
You can request a document online or contact us.
We would like to hear from you if you have a complaint about our product or service. If you tell us your concerns, we will try to put matters right and improve our service to all our customers.
If you would like to make a complaint, please contact us:
- By phone – call 0818 18 18 18
- In person – call into any of our branch offices nationwide
- By email – info@fbd.ie
To let us know about a claim, contact us on 0818 18 18 18 or notify us online. Our dedicated claims service is available to help you 24 hours a day, 365 days a year.
It is important to let us know as soon as you become aware of any event which could lead to a claim. Do this before making any repairs (except for emergency repairs to limit damage). Our claims service will make the process as easy as possible for you and talk you through everything step by step.
Your general obligations if a claim occurs are detailed in the claims conditions section of your policy booklet. Please make sure you understand these conditions and if you have any questions, contact us.
If your policy includes the home emergency assistance service, we will record this in your schedule. Home emergency assistance is provided separately by MAWDY.
In the event of an emergency, it provides assistance to repair or secure your home and protect you from further loss or damage.
To access this service, call 0818 583 583.
For further details on using the service including the terms, conditions, exclusions and limits that apply, see Section 6 – Home emergency assistance — in your policy booklet.
Contact our dedicated claims service team. Our claims team is here to provide fast, reliable assistance every step of the way.
Phone: 0818 18 18 18
Monday - Friday, 8am - 7pm, Saturday, 10am - 2pm
info@fbd.ie
Your no claim discount will not be affected if you make a claim for:
- Jury service, or
- Home emergency assistance
If your point on our no claim discount scale represents two years claims free (35%) or more, we will provide you with step-back no claim discount protection as standard.
It will work in the following way:
1) A single claim under your policy in the period of insurance will result in your no claim discount being reduced as follows:
- 50% back to 35%
- 45% back to 35%
- 40% back to 20%
- 35% back to 20%
Home emergency assistance provides 24 hours, 365 days a year service, through an external service provider MAWDY Services, in the event of a household emergency.
To access this service, call 0818 583 583. MAWDY will arrange and pay for the cost of the callout, labour, and materials needed to carry out an emergency repair, up to €300, per home emergency assistance and a maximum of four call outs per year.
This emergency helpline provides assistance to repair or secure your home and protect you from further loss or damage in the event of an emergency.
Home emergency assistance will only apply to your policy if it is recorded in your schedule.
For further details on using the service including the terms, conditions and exclusions that apply, see Section 6 – Home emergency assistance — in your policy booklet.
Home Insurance
Home Insurance Documents
You can read our current Home insurance documents at the links below. If you have already purchased your policy, you will need to check the documents you received as part of the purchase process to read the insurance documents applicable to your policy.
/prod01/channel_26/media/fbd2018/img/pdf-file.png)
/prod01/channel_26/media/fbd2018/img/arrow-forward-green.png){kind=icon}
Support. It's what we do.
/prod01/channel_26/media/fbd2018/img/couple-moving.jpg)
What our customers say
9 out of 10 customers stay with us ††
Learn more†† Based on all FBD Insurance direct renewal data from Jan - May 2025.
/prod01/channel_26/media/fbd2018/img/Home-insurance-keys-money.jpg)
/prod01/channel_26/media/fbd2018/img/Working-from-home.jpg)
/prod01/channel_26/media/fbd2018/img/home-improvements-tips-and-tricks.jpg)
/prod01/channel_26/media/fbd2018/img/car-dog-couple-res.jpg)
/prod01/channel_26/media/fbd2018/img/plumber-insurance-1.jpg)
/prod01/channel_26/media/fbd2018/img/Chimney-Pot-Roof-v2.jpg)
/prod01/channel_26/media/fbd2018/img/keys.jpg)
/prod01/channel_26/media/fbd2018/img/couple-moving-furniture-1.jpg)
/prod01/channel_26/media/fbd2018/img/how-to-prevent-your-home-from-burglaries.jpg)
/prod01/channel_26/media/fbd2018/img/design-on-a-dime.jpg)
/prod01/channel_26/media/fbd2018/img/dad-son.png)
/prod01/channel_26/media/fbd2018/img/house-scarf.jpg)
/prod01/channel_26/media/fbd2018/img/fbd-house-solar-panels-thumbnail.jpg)
/prod01/channel_26/media/fbd2018/img/design-on-a-dime-thumbnail.jpg)
/prod01/channel_26/media/fbd2018/img/fbd-bbq-2020-thumbnail.jpg)
/prod01/channel_26/media/fbd2018/img/barbecue-safety-tips-thumbnail.jpg)
/prod01/channel_26/media/fbd2018/img/fbd-home-insurance-2.jpg)
/prod01/channel_26/media/fbd2018/img/keep-your-home-safe-while-on-holiday.jpg)
/prod01/channel_26/media/fbd2018/img/fbd-home-insurance-3.jpg)