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Home Insurance FAQs
We’ve gathered all the details you need to better understand your insurance options. Take a look at our FAQs and learn more about how we can help you get the cover you deserve at the price you prefer.
Do I need home insurance?
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.
What do you actually mean by contents?
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).
How can I work out the right building cover for my home?
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.
What happens when I take my personal possessions away from home – will they be covered?
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.
Does my home insurance cover the family computer?
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.
Does my home insurance cover my shed and garage?
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.
I’m a landlord – can I insure my house even though I don’t live there?
Yes, you can. Landlords can get a quote for rental properties online or call Acorn Insurance on 081 8800 222 for a quote.
How can I find out which locks are on my door?
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.
I’ve been offered home insurance by my bank – do I have to take it out with them?
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.
What happens if I move house?
Give us a call at 081 8800 222 with your new details and we’ll amend your policy right away.
Can you tell me more about all-risks cover?
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.
What are specified and unspecified all-risks extensions?
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.
Setting Up or Accessing My Acorn Account
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.
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Acorn Brokerage Limited, trading as Acorn Insurance and Acorn Mortgages, is regulated by the Central Bank of Ireland.
Registered in Ireland Number 513124. Registered Office: St. Augustine Street Galway H91 PN80.