These products allow various levels of cover at competitive rates, all supported by a friendly and responsive service.

The following paragraphs outline basic considerations for protecting your home. If you have any further questions or queries with regard to our products please contact your local professional insurance broker or contact us directly on 1890 290 100.

If you would like to get a RSA Household insurance quotation, please contact your local professional broker.

Amount to insure for

Buildings should be insured for their full Reinstatement/Rebuilding cost. A number of options exist for contents sum insured which can be selected at 30%, 40% or 50% of the Building sum insured or for a specified amount. The Rebuilding Cost Calculator is a guide intended to assist you when insuring your home. For more information check the following site www.scs.ie.

Products

We offer 3 Household Insurance Products – Safehome, Safehome Select and Safehome Options.

Safehome

This product offers unparalleled cover at a competitive rate. It is the ‘Key to the Complete Home Insurance Package’ and was launched to the market back in 1998. The product offers a very broad scope of cover and includes €1500 unspecified all risks cover free of charge.

Safehome Select

A variation of our Safehome product, Safehome Select caters for those customers who want a policy with just the bare essentials of cover at the basic market rate. The product allows you to trim down the cover under our Safehome product and thus save you money.

SafehomeOptions

This product is designed to provide tailored insurance cover to meet the need of 'non owner occupied' homes in particular residential investment properties and holidays homes.

Cover Provided

Within Safehome there are two options:

1. Percentage Option:
   This option simply means that you chose a sums insured for your contents which is a percentage of the buildings sums insured. There are 4 options – 20%, 30%, 40% and 50%. For example, if the buildings sums insured was €200,000 and you took the 40% option then your quotation would include cover for contents of €80,000. Where the total value of contents and personal possessions exceeds €90,000, then additional security to your home may be required.
   
2. Sum Insured Option:
   This option enables you to pick any sums insured subject only to our minimum and maximum sums insured.
   Buildings Cover:
   Minimum: €160,000 for Dublin €130,000 for Elsewhere
   Maximum: Please contact our Customer Service Team on (01) 6363108
   Contents Cover:
   Minimum: €27,500
   Maximum: Please contact our Customer Service Team on (01) 6363108

Cover available

• Automatic Cover for Accidental Damage on both Buildings and Contents.*
• Automatic cover for €1,500 Personal Possessions free of charge when contents cover chosen.*
• Automatic cover for €4,000 Business Equipment under Contents section.
• Automatic cover for homes providing Bed and Breakfast facilitating up to 6 people.*
• Automatic cover for homes where up to two children are cared for (non-family members)*
• Option to cover Home Office / Surgery.*

* only for applicants of the safehome product

Discounts available

• Aged over 45yrs - 7.5% and over 50 discount - 10%
• Intruder Alarm -10%
• Approved intruder Alarm installed to EN 50131 or IS199 (1987) standards, and if installed after 1st August 2006, the installer must be licensed by the Private Security Authority established under the PSA Act 2004.
• Intruder Alarm connected to an alarm receiving center licensed by the PSA -25%
• Voluntary increase in Excess to €500 - 10% Voluntary Increase in Excess to €1,000 - 15% (Applies to Buildings, Contents, Personal Possessions and Caravan Sections only)