Home and Content Insurance

Optional "All Risk" cover

Accidents happen. Everyone loses or damages important items when they're in or out of the home. With our optional extra "All Risks" Cover, we've two options available to you with our Home and Contents Insurance policies. Cover items you would use in your day-to-day life in just a few minutes. 

Important Information

To qualify for 3 months free on your Home and Contents policy offer you must:

• Not have an existing Home and Contents policy on your main residence with PTSB.
• Satisfy our standard underwriting criteria.
• Send payment instructions, where required, to PTSB within 21 days.

To obtain a quote you must meet the following criteria:

• Only 1 previous claim, up to €15,000 in the last 3 years.
• Your building must be built of brick, stone or concrete (timber frame with brick cladding ok) and roofed with slates, tiles, metal, concrete or asphalt (at least 70%).
• You must not be located in an area of flood or subsidence. If so, visit branch for quote.
• Property must be brick, stone or concrete.
• Property must be at least 70% roofed with slates, tiles, metal, concrete or asphalt.
• Your property cannot be a listed or graded building.
• The property is not used for any business, trade or professional purpose.
• Your property must be in a good state of repair and will be so maintained.
• Your property must be less than 125 years old.

Ukraine Crisis

For existing customers that have generously welcomed people fleeing Ukraine into their homes, the following cover applies:

• If a Ukrainian guest gets injured or hurt at the property the policyholder will be covered for any legal liability, and they don't need to do anything to activate this cover, it will automatically apply.
• The Home Insurance cover will not be compromised in any way while doing this act of kindness, in fact we will increase the policyholder’s contents sums insured by €5,000 on all properties housing Ukrainian refugees regardless of whether any contents cover currently exists. The customer doesn’t need to do anything to activate this cover it will automatically apply. Find out more here. 

Premium reductions are applied on a reducing balance basis and are all subject to the following minimum premiums, inclusive of Government Levy, for Home and Contents policies: Buildings €135, Contents €105, and All Risks €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. The amount is deducted from the total claim settlement figure.

Permanent TSB plc trading as PTSB is regulated by the Central Bank of Ireland. Permanent TSB plc is a Single Agency Intermediary of Allianz plc for Home and Contents Insurance which is underwritten by Allianz plc. Allianz plc is regulated by the Central Bank of Ireland.