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
Contents insurance safeguards the items that make your house a home, whether you rent or own your home OUTsurance offers you peace of mind in the unfortunate event that your most prized possessions are damaged, lost, or stolen. OUTsurance’s coverage ensures you’re not left out of pocket when the unexpected happens. Protect what matters most today and enjoy peace of mind with a policy tailored to your needs.
What does Contents Insurance protect you against?
Contents we’ll cover when specified in your schedule:
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Contents
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Fire and smoke
Fire or smoke damage that occurs at the premises to your buildings and/or contents.
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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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| Employers liability to domestic employee/s |
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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 cover to suit your situation. Which is why, on top of our standard home insurance policies, we offer a suite of optional covers.
We get that sometimes you might need a bit more cover to suit your situation. Which is why, on top of our standard home insurance policies, we offer a suite of optional covers.
At OUTsurance, you always get something OUT. Take advantage of cashback on your contents insurance premium, great service, value-for-money prices, and comprehensive contents insurance protection. Take advantage of cashback on your contents insurance premium, great service, value-for-money prices, and comprehensive contents insurance protection.
We are passionate and honest about how we operate. We believe in offering a quality service experience at all times. From contents insurance sales to contents 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 specific requirements. We ask a number of questions to ensure we achieve a fair and accurately priced premium for your 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.
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.
Contents insurance covers you from damage or loss to your contents due to things like fires, flooding, storms, and theft. You are not legally obliged to take out contents insurance, but if you are renting it could be a good idea to give you peace of mind. This will ensure you are covered for your most valuable items if they are destroyed, for example in a fire. Contents insurance can protect you financially in the event of burglary, fire or other damage. Underinsurance occurs when your items are insured for less than the replacement value. This could occur by simply electing for the incorrect value of your items. However this can also occur due to inflation where costs rise overtime and items are valued more over time. Please read more details on Underinsurance here.
You can find a few simple tips below that could help reduce your 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 some 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 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 some insurance quotes to get the best deal, and the right cover at the right price.
OUTsurance’s contents insurance is not a legal requirement, however it’s recommended to protect your personal belongings. Some landlords may require it as part of a rental agreement.
We provide garden and leisure equipment cover as an optional cover that is available for you to select. This will provide cover against loss or damage to, for example, garden furniture, barbeque equipment, pool cleaning equipment and trampolines.
The maximum amount that will be paid out in the event of a claim is €1000.
To avail of cover for personal belongings outside of the home, you will need to select the optional portable items cover. If you have selected this cover it will appear on your schedule. We offer unspecified cover for items under €1000 and items over €1000 will need to be noted separately on the policy schedule.
Any items valued at over €2500 should be noted on the policy. Our skilled agents will gladly assist and ensure your items are noted accordingly.
1. Notify your insurer as soon as possible.
2. Provide evidence of ownership or value (e.g., receipts, photos).
3. Submit a police report for theft-related claims.
4. Document the damage or loss with photos.
How much contents insurance you should get depends on the sum value of what you’d like to insure. Determining the value of your belongings and the number of items you want to insure is key. Start by creating a list of all the items you'd like covered and assign a value to each. There's no need to include fixed items, as they will be covered under your building insurance; this includes things like laminate flooring, fitted wardrobes, and light fittings.
The great news is you won't have to dig through receipts to estimate costs. Instead, find out what it would cost to replace each item today, rather than relying on the prices you originally paid. Be sure to account for depreciation on household linens, clothing, floor coverings, and any TV or audio equipment that is over four years old.
Have a chat with us at OUTsurance and we can talk you through the process.
Top tip: It's a good idea to take note of any serial or model numbers of all electrical appliances that you have, this will help if an item is stolen.
No, but your buildings insurance covers this.
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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