You always pay IN, so why shouldn’t you get something OUT! We'll reward your loyalty and claims record with a recurring cash payout that we call the OUTbonus. Get 10% of your home insurance premium (less taxes and levies) back in cash when you hold your policy claim-free for 3 years. *Terms & conditions apply
A combined buildings and contents insurance policy covers the structure of your home and your belongings in case the worst should happen.
What’s covered?
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Buildings & contents
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Fire and smoke
Fire or smoke damage to your buildings and contents that occurs at the premises of your buildings.
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| Escape of water |
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| Storm, lightning or flood |
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| Earthquake and explosion |
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| Theft or attempted theft |
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| Riot, strikes, labour, political disturbances |
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| Malicious damage |
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| Subsidence |
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| Impact |
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| Radio and television aerials |
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| Oil leaking |
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| Falling trees or branches |
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| Owners liability |
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| Employers liability |
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| Public liability |
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| Liability as a tenant |
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Cover provided is subject to terms and conditions, click below to view important documentation.
Home insurance policy booklet | Terms of Business | Home insurance IPID
We get that sometimes you might need a bit more insurance cover to suit your situation. This is why, on top of our standard buildings and contents insurance, we offer a suite of optional covers.
We get that sometimes you might need a bit more insurance cover to suit your situation. This is why, on top of our standard buildings and contents insurance, we offer a suite of optional covers.
At OUTsurance, you always get something OUT. Take advantage of cashback on your Buildings Insurance premium, great service, value-for-money prices, and comprehensive car insurance protection.
We are passionate and honest about how we operate. We believe in offering a quality service experience at all times. From home insurance sales to home insurance claims and everything in between, we are a people business that’s here for you.
We will reward your loyalty and claims record with a recurring cash payout that we call the OUTbonus. Get 10% of your insurance premiums (less taxes and levies) back in cash when you hold your policy claim-free for 3 years.* Read terms & conditions.
The OUTsurance Group has 25+ years of experience in business, building a trusted reputation in South Africa and Australia, placing customers at the centre of everything we do. Our insurance policies include an attractive range of features and benefits as standard, with optional covers to suit your needs. Learn more about the OUTsurance Group.
We take the time to learn about you and your home. We ask a number of questions to ensure we achieve a fair and accurately priced premium for your buildings and contents insurance needs.
We understand that you need us most when things go wrong. That's why we're committed to making the claims process as quick and easy as possible. Learn more about making a claim on our claims page.
We are an Irish-based insurance company located in Cherrywood, Dublin. Our call centre agents will support and assist you with getting the right level of insurance cover.
Buildings and contents insurance covers you from damage or loss, due to things like fires, flooding, storms, and theft. You are not legally obliged to take out buildings and contents insurance, but if you have a mortgage, your lender can insist that you have buildings insurance. This will ensure you are covered for rebuild costs if your home is destroyed, for example in a fire. Even if you don’t have a mortgage and own your home outright, home insurance will protect you financially in the event of burglary, fire or other damage. Underinsurance occurs when a home is insured for less than the replacement value. This could occur by simply electing for the incorrect value of your home. However this can also occur due to inflation where costs rise overtime and properties are valued more overtime. Please read more details on Underinsurance here.
Switching to OUTsurance could mean savings on your home and car insurance. Hear what OUTsurance customers are saying about their experience.
Watch Client testimonials
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At OUTsurance, we recommend both types when you own your own home. Buildings insurance protects your property structure, while contents insurance safeguards your personal possessions. Renters typically only need contents insurance.
You need to be able to cover the cost of rebuilding your house in the unfortunate event that you need to make a claim and replace your most precious items. The amount you insure your home for is the amount it would cost to rebuild your home. It is not about the market value of the house or the amount you paid for it. You can use the SCSI calculator to guestimate this online!
Damage due to poor maintenance
Wear and tear.
Damage due to acts of war or terrorism.
Flooding due to negligence.
At OUTsurance, accidental damage cover is available as an optional extra. Examples of accidental cover include if you accidentally break the glass of a door or large window or drilling into a water pipe. To avail of this cover you will need to select the optional extra and it will appear on your policy schedule.
No, this is covered in your building insurance.
Your contents and buildings sum insured represent the highest amounts we will pay for your contents and buildings in the case of a single insured event. The buildings sum insured should indicate the total cost needed to rebuild your structures, while the contents sum insured should reflect the total value of all items at the insured location specified in your policy schedule. To help guard against inflation, we will adjust your contents and buildings sum insured based on the relevant index when you renew your policy. If the index decreases, your sum insured(s) will stay the same. It is your responsibility to ensure that your sum insured(s) accurately represent the full reinstatement cost of your buildings and/or contents. You can use the following SCSI calculator tool as a guide to estimate the rebuild cost of your home.
Please remember, your rebuild cost is not the same as the market value of your home.
If you hold buildings and contents insurance, OUTsurance will cover you for the amount that you may be legally liable to pay as the owner of the premises. Examples include:
Contents are household goods, personal belongings, and high valued item(s) kept inside your private domestic residence or domestic outbuildings. This only includes items belonging to you or any household member(s), or any contents for which you are legally responsible.
Yes, if you have a mortgage most lenders require buildings insurance to protect their investment.
You can find a few simple tips below that could help reduce your buildings & contents insurance price.
Although there's an upfront outlay, paying annually tends to work out more cost effective than paying in monthly instalments.
Install burglar alarms, fire alarms and smoke detectors to help manage the risk.
Ensure to shop around and compare home insurance quotes to get the best deal and the right cover at the right price.
You can find a few simple tips below that could help reduce your buildings & contents insurance price.
Although there's an upfront outlay, paying annually tends to work out more cost effective than paying in monthly instalments.
Install burglar alarms, fire alarms and smoke detectors to help manage the risk.
Ensure to shop around and compare home insurance quotes to get the best deal and the right cover at the right price.
We care about protecting what matters to you. Our contact centre is ready to take your call.
Visit our Contact Us page.
We will own the claims journey. You can trust us to help you get what you need when claiming.
Learn more about making a claim on our Claims page.
Looking to take the next step with your career?
Visit our Careers page to review open roles and apply.
We care about protecting what matters to you. Our contact centre is ready to take your call.
Visit our Contact Us page.
We will own the claims journey. You can trust us to help you get what you need when claiming.
Learn more about making a claim on our Claims page.
Looking to take the next step with your career?
Visit our Careers page to review open roles and apply.
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