Dickson & Wilson Insurance Brokers
Key Factors That Affect Your Home Insurance Cover in Ireland
Understanding what influences home insurance can help you choose the right level of protection and avoid gaps in cover.
Type and Construction of Your Home:
The age, construction materials and condition of your home affect insurer risk and cover terms.
Buildings and Contents Values:
Accurate rebuilding and contents values are essential to ensure your home is fully insured and avoid underinsurance.
Security and Safety Features:
Alarms, locks and fire protection measures can influence cover terms and may help reduce premiums.
Use of the Property:
Home offices, letting rooms or working from home can affect cover and should always be disclosed.
Claims History:
Previous claims can impact premiums and insurer acceptance at renewal time.
Dickson & Wilson Insurance Brokers
What Our Home Insurance Covers
All of our home insurance policies include buildings insurance and contents insurance as standard, with flexible options to tailor your cover, including:
| Cover | Available |
|---|---|
| Accidental Damage |  |
| Emergency Home Assist | |
| Cover For Specified Items | |
| Garden Furniture | |
| Home Office Cover | |
| 24hr Claims Line | |
Whether you own your home, rent it out, or use it seasonally, we can arrange the right property insurance solution for you.
Car Insurance Extras
Extras That Strengthen Your Home Cover
Optional add ons allow home insurance to be tailored to how you live. Our brokers will explain which extras are worth considering based on your property and budget.
Accidental Damage Cover
Provides protection against unexpected damage to your home or contents.
Emergency Home Assistance
Access to emergency help for issues such as plumbing, electrics or heating.
Specified Items Cover
Extra protection for high value items such as jewellery, watches or bicycles.
Garden Buildings and Furniture
Cover for sheds, garden furniture and outdoor equipment.
Home Office Cover
Additional protection for office equipment used while working from home.
Experienced Insurance Brokers
Why Choose Dickson & Wilson for Home Insurance?
Your home is one of your most valuable assets, so choosing the right broker matters. We provide independent advice and personal service, helping homeowners secure cover that truly fits their needs.
Here is why so many homeowners choose us:
- Competitive home insurance premiums
- Independent, expert advice
- Tailored cover to suit your needs
- Friendly, local service
Getting a home and contents insurance quote should be simple and stress-free. Our dedicated team will guide you through your options, explain your cover clearly, and ensure there are no surprises.
Home Insurance Topics
Home Insurance FAQs
Does home insurance cover both buildings and contents?
Yes, most home insurance policies include buildings and contents cover, either combined or as separate sections depending on your needs.
Can I insure high value items under my home policy?
Yes, items such as jewellery, watches and bicycles can usually be specified separately to ensure adequate cover.
Is home insurance required in Ireland?
Home insurance is not legally required, but it is usually a condition of mortgage agreements and strongly recommended for homeowners.
Can I insure a second home or holiday home?
Yes, separate policies can be arranged for second homes or holiday properties, including some overseas properties.