Standard Home Insurance

We understand that your home and your belongings are probably the most important assets you have, and therefore adequately protecting them is essential. Allow our experienced team to guide and educate you on a Standard Home Insurance policy that suits your specific needs.

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Home Insurance Made Easy

We will help make your home policy easy to understand and navigate you through the sometimes difficult clauses, terms and conditions. Get in touch with our expert team to see how we can help you with your policy today.

Features

The level of cover required on your home will be determined by your own individual circumstances. It is important to accurately calculate the rebuilding cost of your property. Some standard home insurance benefits include:

No broker fee for mid term adjustments
Liability protection
Contents in the garden
Loss of oil
Clean up expenses
Door locks replacement
Visitor’s personal belongings
Glass and sanitary ware
Personal money

All-risks cover can be included where there are specific high value items that may be taken away from the home such as jewellery, laptops, sports equipment and other personal effects. Talk to one of our experts today about finding the right cover for you.

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Benefits

A dedicated team offering personal advice and service.

Alternative accommodation should your home become uninhabitable as a result of an insured loss.
No claims discounts.
Increased contents cover for weddings and Christmas.
Variety of payment options.

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Top Tip

Be mindful not to underinsure. Your property, including domestic outbuildings, should be insured for the full rebuilding cost. Find out more here.

OBF listen to me and resolve any issues seamlessly.
I’m in safe hands.

John Dillon

FAQs

Q: What is a policy excess?

A: All Insurance policies have an excess, which is the amount of money you will be responsible to bear in the event of a claim.

Q: What do I do if my home is left unoccupied for more than 30 consecutive days?

A: If this is the case, please contact us as soon as possible as your cover and terms might change.

Q: Can I get cover for my home that I rent out?

A: Yes, simply call us or complete the 'Request a Quote' form and we will be in touch with you.

Q: I am uncertain how much to insure my home for, can you help?

A: Yes, to assist in this you will need to know the size of your home. Once you have this information you can visit https://scsi.ie/consumer/build/calculator/ for guidance.

Q: What if I underinsure my home to keep the insurance cost down?

A: If you underinsure your home, you may not receive the full amount necessary to rebuild, repair or replace it in the event of partial or complete damage. Claim settlements may be reduced if your buildings or contents sums insured, at the time of any loss or damage, are less than the full rebuild cost or replacement cost.

Claims & Emergencies

Here to Help

Unsure of how to make a claim or your next steps in the case of an emergency?
We’re here to help and guide.

More Home Insurance Products

Here to help

Tell us all about the protection you need, and we’ll guide you on your ideal insurance options.

Email: info@obf.ie

Call: +353 1 660 1033