
Home Insurance
Home Insurance
Your home is likely the biggest investment you will ever make in your life. Home insurance protects that investment by covering the cost of reinstating your home and replacing your contents should they be lost or damaged as a result of an event that was outside of your control.
Who should consider home insurance?
Anyone that owns a property, whether or not they have a mortgage, should consider home insurance to cover their investment. This includes landlords and flat owners that rent their premises to other people.
Anyone who lives in a home, regardless of whether they own or rent the home, should consider having their contents insured. If their contents are lost, stolen or damaged, contents insurance will replace them up to an agreed limit which is specified on the insurance policy schedule.
Building Insurance
Contents Insurance
While home insurance isn’t a legal requirement in Ireland, mortgage lenders will insist upon building insurance as you become legally responsible for the property once contracts are signed and exchanged.
Your benefits…
Competitive premiums with multi-year discounts
Accidental death benefit
Freedom of choice to find the most suitable cover
Full accidental damage cover on buildings & contents
Request a quote
Speed up your quotation by filling in our online home insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.
Meet the team

Benny Sheridan
INSURANCE BROKER

Miriam Sheridan
INSURANCE BROKER

Siobhan McPhillips
Insurance Broker
At Sheridan Insurances, we understand your home is your castle. While your home is a valuable financial investment, it also represents your family, security, and stability.
In response, and as part of the Source Broker Network, we have worked hard to negotiate a Household Policy Wording and Claims procedure with the major insurers in the market.
You can also make huge savings by opting for a multi-year policy. This guarantees your premium will not increase next year!
Sheridan Insurances has more than 40 years’ experience helping protect what is important with tailored cover that provides the ultimate peace-of-mind.
Customer Support
Claims Contact
Need to make a claim?
Emergency Numbers
Need to access emergency contact numbers?
Home insurance FAQs
We want to make sure you know exactly what home insurance from Sheridan Insurances protects you for.
Take a look at our FAQs or talk to one of our brokers.
Did You Know?
- Contrary to popular belief, given the right conditions, many houses are at risk from wind damage, flooding and fire. However, your home insurance policy may only cover flooding caused by a burst or frozen pipe. If you are renewing your home policy or looking for new insurance, you should ask your Sheridan Insurances broker about cover for flood risk.
- That the terms Value At Risk (VAR) and Market Value (MV) are not the same thing. VAR is the true cost of reinstating or rebuilding a property that has experienced damage. You can find further information on https://scsi.ie/
- Your home insurance may cover your belongings that are not physically on your property, if you have unspecified all risks cover on your policy.
- Your bicycle is covered under most home policies even when it is not at home. That means if it is stolen when it is chained to the railing outside the shop, you could be covered for its replacement value. You should record the make, model and serial number of your bicycle along with a photo.
- Self-employed people with a home office may have their office and its contents insured under their home insurance policy.
What to do if your property and/or contents have been damaged, stolen or destroyed?
Step 1. Get in touch with our team as soon as possible via our 24-hour emergency numbers. Don’t remove any damaged property and don’t start your clean-up because this could affect your claim. Our team will check your insurance policy to establish whether you have cover for the damage or loss you have experienced and whether a policy excess is applicable.
Step 2. Take photographs of the damage and obtain detailed estimates that individually list all the repairs required including any temporary repairs that you need to arrange to prevent further damage.
Step 3. If you don’t want to handle the claim yourself, you could appoint an independent loss assessor to help you prepare and negotiate your claim with your insurer and their loss adjustor. The team at Sheridan Insurances can provide support and advice at this stage to help you make an informed decision.
During the claims process, the Consumer Protection Code is designed to protect you and help you deal with claims in a professional manner. You will find our support, service and advice is in accordance with this code.
Should you review before you renew?
Maybe we can find you a better offer…
Rather than simply renewing your insurance policy each year, why not let the team at Sheridan Insurances search the market on your behalf? We may be able to save you moneyor add value to your cover with additional features. If you have a renewal quote from your existing home insurance provider, take a photograph of the quote and email it to us at home@sheridaninsurances.com. We will get working on your review straight away!
What is MultiYear Home Insurance?
What are the benefits of MultiYear Home Insurance?
MultiYear Home Insurance offers a range of benefits including:
- Long-term certainty and security: your home is insured for up to two or three years under the same policy.
- Better choice: you decide whether you want the policy cover for two or three years.
- Money savings: no premium increases over the chosen policy duration; regardless of whether there’s a claim within the first, second or third year, your premium won’t be subject to change until the policy ends.
- Time and energy savings: no need to review your policy year on year when your MultiYear Home Insurance provides cover for two or three years.
- Extra benefits: fatal accident benefit (up to €10,000 for the loss of a loved one); all risks single article limit up to €3,500 and business equipment limit up to €2,500.
- Easy payment options: with a low deposit/APR rate, payments can be made over 30 months with the final six months payment free or alternatively a single up-front payment.
Above all, MultiYear Home Insurance provides you with peace-of-mind that you are covered when you need it most.
Do I really need building insurance?
It might not be a legal requirement, but considering the amount of money we spend on our homes, insurance could be seen as a good idea – especially if you live somewhere at a high risk of flooding, crime or subsidence. Your lender may also make it a condition of your mortgage.
Bear in mind that you should only take out insurance for your property if you own it (or have a mortgage on it) – and only then if your home isn’t part of a block of flats. If you are a tenant, your landlord or the property owner is the one responsible for buying insurance for the building.
Do I have to get home insurance through my mortgage provider?
While your mortgage lender will almost certainly require you to take out insurance to protect the building structure of your home, you aren’t obliged to buy it from their preferred insurer. In fact, you’ll probably be able to find better cover and value for money by checking out the market.
What’s the difference between property insurance and contents insurance?
Property insurance covers the structure of your home and other buildings like a garage if they sustain damage from a natural event such as a storm or flood, or if it is damaged through vandalism. Contents insurance protects your belongings such as carpets, curtains and light fittings to white goods, furniture and your clothing.
How much should I insure my building for?
Insuring your home for the right amount is really important. While you don’t want to over value the cost of rebuilding your home and incur higher premiums, you also don’t want to face the consequences of being underinsured. You should calculate the total of what it would cost to rebuild your home completely – in the event it was totally destroyed by a fire or gas explosion, for example. Your calculations should not include the value of the land or its location – that would be taken into account for the property’s market value, which is not required for your building value at risk calculation.
How much does it cost to rebuild a house?
The cost of rebuilding your house today is likely to be different to what it cost when it was first built. That’s why it is important to calculate the cost of rebuilding your house in the same way with the same materials and labour at today’s prices. To determine the cost of rebuilding your home, the Chartered Surveyors of Ireland have produced a handy “Cost of rebuilding a house calculator” which is ideal for insurance purposes. https://scsi.ie/
What information do I need to take out home insurance?
You can submit your information about your home to obtain a quote in the online quotation section of the Sheridan Insurances website.
Will home insurance cover rising damp?
Home insurance is designed to cover you for the unexpected, such as damaged caused by a fire, flood or storm. It will not normally provide cover for wear and tear or issues that occur with ageing and deterioration, such as rising damp.
Can I get home insurance if I live in a flood risk area?
Talk to your Sheridan Insurances broker about home insurance if you live in a flood risk area. We can arrange tailored insurance that suits your home, its location and the specific flood risk.
What if I don’t know when my home was built?
Your title deed should state the year your home was built. However, if you are unsure, you can check the Property Registration Service at landdirect.ie for further information. Alternatively if you bought your house via an auctioneer the property brochure may have this information.
What if my house is of a non-standard construction?
Home Insurance can be tailored to suit just about any building type, including those with thatched roofs through to heritage buildings. It is important to determine a reasonably accurate rebuild cost though to ensure you have the right amount of cover.
Does home insurance cover renovations and extensions?
Speak to your Sheridan Insurances broker about updating your policy to cover any work you are undertaking to your home. You should always speak to your broker before you start work to ensure your home insurance cover remains operative.
Is a garage considered a room?
Do I need home insurance for unoccupied properties?
How do I work out the value of my contents?
Contents insurance is as good as the value you place on your belongings; if you underestimate their worth, you may not be able to replace everything. Similarly, if you place a higher value on your possessions than their actual worth, you will pay more for your insurance premium than you need to. Perhaps the most helpful advice when calculating the worth of your contents is to work room by room and identify all the items you would want to replace if they were stolen, damaged or destroyed. Make a separate list that notes your valuables.
Who needs contents insurance?
- homeowners who already have insurance for their building structure
- people renting a property who need to protect the personal items they have at their rented home
- lodgers who can access specialist insurance for their personal contents, and students
- people who share a flat or apartment and want to protect their own personal belongings
- students who live in halls of residence or off campus accommodation
- buy-to-let landlords, where a specialist policy is required for the property’s contents.
What extras can be included with contents insurance?
- accidental damage for unintended breakage of personal items,
- cover for belongings lost, stolen or damaged while out of the house
- cover for emergency call outs and repairs such as a water leak
- cover when you are away from home, including students who take their electronic equipment to college.
What does contents insurance cover?
Contents insurance is designed to cover your belongings and the personal items you have in your home. The general rule is that if it can be easily removed, for example if you were moving house, then it would be covered by contents insurance. This includes:
- carpets, rugs and light fittings
- electronicssuch as computers, smart devices and gaming consoles
- entertainment equipment such as televisions and other audio and visual gear
- furniture and white goods
- money and financial documents
- clothing, shoes, jewellery and accessories
- sporting gear
- artworks
- musical instruments
If you have items of high value, such as sculptures, designer handbags or an engagement ring, these should be specified separately on your contents policy.
How to talk to us…
Request a Quote
Speed up your quotation by filling in our online home insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.
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