A common misconception is that once your landlord’s insured, you are too. This isn’t the case. Your landlord’s policy will not provide any cover for your personal belongings. Perfect for anyone who currently rents, Renters Insurance suits families as well as young professionals who need cover for their valuables.
While the property you’re renting isn’t yours in name, it is your home. To ensure peace of mind regarding the items that make it your home, it may be necessary to get them insured. You have probably accumulated valuable goods over the years, items that set up your home and mean a lot to you. Be it your TV, furniture or coffee machine, you want these items protected should the worst happen
As well as peace of mind regarding your valuables, our Renters Insurance offers you cover in the event of damage to your contents caused by an insured peril. If you’re leaving your laptop or guitar at home, you want to know you’ll be covered should the worst happen
While Renters Insurance covers your valuables in your rental space, they won’t be covered when they’re on your person outside. With two optional “All Risks” Covers available from PTSB, you can protect your gadgets and certain personal belongings outside the home. You can cover your laptop, jewellery or golf clubs when you have them out of the home.
For full details of our Home Insurance policies, you can download our policy documents.
| Included | Extra | |
|---|---|---|
| Escape of Water | ✓ | |
| Storm or Flood Damage | ✓ | |
| Theft | ✓ | |
| Fire or Smoke Damage | ✓ | |
| Fire Brigade Charges | ✓ | |
| Malicious Damage | ✓ | |
| Visitors Property | ✓ | |
| Increased Wedding time cover | ✓ | |
| Audio and Audio Visual Equipment | ✓ | |
| Alternative accommodation up to 15% of contents sums insured | ✓ | |
| Accidental Damage (on contents, including gadgets) | ✓ | |
| All Risks - Specified & Unspecified | ✓ |
Please note: The above information does not reference all of the benefits, terms, conditions, limitations, exceptions and exclusions associated with the Policy. For full details of our Home & Contents Insurance policies, you can download our policy documents to ensure you understand the cover provided.
Accidents happen. Everyone loses or damages important items when they’re in or out of the home. With our optional extra “All Risks” Cover available with our Renters Insurance policy, you can cover for items and gadgets you’d have in your everyday life. We understand that your valuables are just that - valuable. With this in mind, we provide two types of “All Risks” Cover that can be added to our Insurance policies.
Unspecified “All Risks” Cover is an umbrella-style cover that enables those who take it out to select an amount to cover their personal belongings should they lose them. It’s important to protect the items you value against loss or theft, so this cover has been designed with items such as mobile phones, glasses, handbags, etc., in mind.
The maximum combined cost of the valuables (you or any member of the household stand to lose) should give you an idea for how much you insure your belongings for. There's no need to list each item individually. There are limits applied, however, to the cover such as: €2,540 for any individual item, and bicycles up to a limit of €320 in any single period of insurance.
Specified “All Risks” Cover is a cover that enables you the option to individualise items on your policy, specifying their value. Specified items typically include tablets, smartphones and other valuables. As no excess applies to this cover, you wouldn’t have to pay the first part of any claim you may make.
Subject to our acceptance criteria, terms and criteria apply. PTSB applies premium reductions on a reducing basis. To obtain a quote you must meet the following qualifying criteria:
These reductions are all subject to minimum premiums, inclusive of Government levy, as follows: Buildings Cover €135; Contents Cover €105; All Risks Cover €12.60. Please note that an excess will apply. This is the first amount of any loss that you are responsible for in the event of making a claim. This amount is then deducted from the total claim settlement figure.
Permanent TSB plc trading as PTSB and PTSB Asset Finance is a Single Agency Intermediary of Allianz plc. for Home and Contents Insurance. Permanent TSB Home and Contents Insurance is underwritten by Allianz plc. Permanent TSB plc trading as PTSB and PTSB Asset Finance is regulated by the Central Bank of Ireland. Allianz plc is regulated by the Central Bank of Ireland.
As well as covering your Home and Contents, we offer insurance policies online to cover other situations too.
If you’re a landlord with one or more investment properties then check out our Landlord Insurance, which gives you comprehensive cover at a great price. We also offer a 20% introductory discount in year 1.
If you’re a renter and looking to protect the items you value most, cover the contents of your rental space with our great value Renters Insurance.
If you own an apartment and the building is already covered by a block policy then check out our Contents Cover.
If you have a holiday home and want to insure your building as well as its contents then check out our comprehensive Buildings and Contents Cover.
Our online quote will guide you through the process to ensure you select the cover you need.
If you’re a renter or living in an apartment then our Contents Cover gives you great protection on your valuables and personal belongings at a great price.
We have a range of Life Insurance options to protect your income for you and your family.
