Home Insurance FAQs

Home insurance gives you peace of mind that should anything happen to your home, the cost of rebuilding it will be covered by your insurance provider. Not only that, banks require you to have home insurance as part of your mortgage agreement. If you’d like to find out more about getting a home insurance policy give us a call on 081 8800 222.

We define contents as everything you could take with you if you moved house. We recommend you spend some time creating an inventory of your contents in each room (including the garage, the shed and garden). 

To calculate how much you should insure your property for, you’ll need to find out the rebuilding costs. You can do this by looking at the survey or valuation report that was undertaken when you got your mortgage. Do bear in mind that the market value of a home has little relation to the costs of actually rebuilding a property. We recommend that you visit the Society of Chartered Surveyors Ireland website to work out the rebuilding cost of your property.

They won’t be covered, unless you take out extra cover as part of your home insurance policy. Valuable personal possessions include jewellery, watches and cameras.

Yes, provided that the computer is only for personal use. In order to ensure your computer outside the home you’ll have to take out additional cover.

Yes, however, there may be some conditions or limits which apply.

Items which are stored outside, such as a lawnmower are typically covered, but check your home insurance policy for more information on limits.

Yes, you can. Landlords can get a quote for rental properties online or call Acorn Insurance on 081 8800 222 for a quote.

Open your door and have a look at the metal plate near the edge. If you look closely you should be able to see the lock type and name engraved on it.

No you don’t. As a consumer you have complete freedom to shop around for the best value and cheapest home insurance quote. The key thing to remember is that your buildings must be insured to the amount stated by your bank or building society when they valued the property, but you are NOT obliged to take out a policy with them.

Give us a call at 081 8800 222 with your new details and we’ll amend your policy right away.

All-risks cover allows you to insure items away from your home. Typically, you create a list of each item you’d like insured or go for an overall value for unspecified contents. The choice is yours. Most home insurance policies contain an upper limit on how much you’ll be able to insure each item for, unless you state otherwise.

Specified all-risks insurance covers items outside of the home. It is subject to geographical limits and you’ll need to provide valuations where the value of your items is greater than the pre-agreed amount.

Unspecified all-risks cover insures unspecified items outside of the home which are typically valued less than €1,000. For instance you could insure a sum of €2,000 to cover numerous items, although none of the items will be valued at more than €1,000.

In order to create an account/access the MY ACORN INSURANCE portal you will require your policy number, phone number and email address which must match what Acorn Insurance has on file for you. If you have issues with creating/accessing your account please contact our customer care team.