While your home changes, your insurance doesn’t update itself. Making sure your cover reflects real life helps protect the things you’ve worked hard for.
Why it’s worth checking
- Rebuild costs are rising: The Society of Chartered Surveyors Ireland reports costs increased by around 7% nationally over the last 12 months.*
- New purchases: Furniture, gadgets, gifts - it all adds up.
- Renovations or extensions: Even small improvements can change rebuild costs.
- Vacant homes: Most policies limit cover if the property is empty for more than 30 days.
Take a few minutes to review
- Check your buildings sum insured — it should reflect the cost to rebuild, not sell.
- Add up your contents value room by room.
- Tell your insurer about upgrades or alarms - they might even lower your premium.
- List high-value items separately if needed.
A quick check now means peace of mind later, so your home and your cover stay in step.