Home Insurance Key Policy Benefits

At Chill.ie, we want to make sure you chose the right home insurance policy to suit your personal needs. That's why we've got a full section dedicated to the standard policy benefits for each insurance company as below.

If you are unsure of some of the insurance terms please click here.

Zurich Homestar

Buildings

  • Automatic Accidental Cover
  • Fire Brigade Charges
  • Trace & Access
  • Legal Fees
  • Alternative accommodation
  • Owners Legal Liability
  • Standard Excess
  • Subsidence Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period

Contents Section Cover

 

  • Automatic Accidental Damage Cover
  • New for Old
  • High Risk Items/Valuables SAL
  • Combined High Risk Total
  • Personal Money Cover
  • Fire Brigade Charges
  • Alternative accommodation
  • Deep Freezer Contents
  • Jury Service
  • Door Lock Replacement
  • Visitors Personals Effects
  • Fatal Accident Benefit
  • Contents in your Garden(open)
  • Christmas Cover
  • Wedding Cover
  • Unauthorized use of Credit Cards
  • Loss Oil
  • Personal Accident Benefit
  • Title Deeds Replacement
  • Accidental Damage to Audio and Visual Equipment
  • Contents Temporarily Removed
  • Legal Fees
  • Computer Equipment
  • Third Party Liability
  • Tenants Liability
  • Domestic Employees
  • Standard Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period

All Risks

  • Automatic Unspecified All Risk
  • Single Article Limit Under UAR
  • Pedal Cycle Cover
  • Standard Excess
  • Index Linking

RSA Safehome

    Buildings

  • Automatic Accidental Cover
  • Fire Brigade Charges
  • Trace & Access
  • Satellite Aerials
  • Owners Legal Liability
  • Standard Excess
  • Subsidence Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period
  • Legal Fees (Removal of Squatters)
  • 24 Hour Emergency Helpline Service

    •  

    Contents Section Cover

     

  • Automatic Accidental Damage Cover
  • New for Old
  • High Risk Items/Valuables SAL
  • Combined High Risk Total
  • Personal Money Cover
  • Fire Brigade Charges
  • Rent and alternative accommodation
  • Deep Freezer Contents
  • Jury Service
  • Door Lock Replacement
  • Visitors Personal Effects
  • Fatal Accident Benefit
  • Contents in your Garden (open)
  • Christmas Gifts Cover
  • Wedding Gifts Cover
  • Unauthorized use of Credit Cards
  • Loss of Oil
  • Clean Up Expenses
  • Personal Accident Benefit
  • Title Deeds Replacement
  • Satellite Aerials
  • Audio and Visual equipment
  • Contents Temporarily Removed
  • Business Equipment
  • Third Party Liability
  • Tenants Liability for Damage
  • Domestic Employees
  • Standard Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period
  • B&B for up to 6 Paying Guests
  • Child Minding for up to 2 Children

    •  

    All Risks

     

  • Free Automatic Unspecified All Risk
  • Single Article Limit Under UAR
  • Money under UAR
  • Pedal Cycle Cover
  • Standard Excess
  • Index Linking
  • Specified Personal Possessions
  • Caravan
  • Home Office

Benchmark Basic Home Policy Benefits

  • Claims Assist Line

    •  

    Buildings

     

  • Automatic Accidental Cover
  • Fire Brigade Charges
  • Alternative accommodation
  • Door Lock Replacement
  • Title Deeds Replacement
  • Trace & Access
  • Owners Legal Liability
  • Standard Excess
  • Subsidence Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period

    •  

    Contents Section Cover

     

  • Automatic Accidental Damage Cover
  • New for Old
  • High Risk Items/Valuables SAL
  • Combined High RiskTotal
  • Personal Money Cover
  • Fire Brigade Charges
  • Alternative accommodation
  • Deep Freezer Contents
  • Jury Service
  • Visitors Personals Effects
  • Fatal Accident Benefit
  • Legal Fees
  • Contents in your Garden(open)
  • Christmas Cover
  • Wedding Cover
  • Unauthorized use of Credit Cards
  • Loss Oil
  • Personal Accident Benefit
  • Title Deeds Replacement
  • Accidental Damage to Audio and Visual Equipment
  • Contents Temporarily Removed
  • Home Offiice Equipment
  • Third Party Liability
  • Tenants Liability
  • Domestic Employees
  • Standard Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period

    •  

    All Risks

     

  • Automatic Unspecified All Risk
  • Single Article Limit Under UAR
  • Pedal Cycle Cover
  • Standard Excess
  • Index Linking

Benchmark Standard Home Policy Benefits

 

  • Claims Assist

    •  

    Buildings

     

  • Automatic Accidental Cover
  • Fire Brigade Charges
  • Alternative accommodation
  • Door Lock Replacement
  • Title Deeds Replacement
  • Trace & Access
  • Owners Legal Liability
  • Standard Excess
  • Subsidence Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period

    •  

    Contents Section Cover

     

  • Automatic Accidental Damage Cover
  • New for Old
  • High Risk Items/Valuables SAL
  • Combined High RiskTotal
  • Personal Money Cover
  • Trace & Access
  • Fire Brigade Charges
  • Alternative accommodation
  • Deep Freezer Contents
  • Jury Service
  • Visitors Personals Effects
  • Fatal Accident Benefit
  • Legal Fees
  • Contents in your Garden(open)
  • Christmas Cover
  • Wedding Cover
  • Unauthorized use of Credit Cards
  • Loss Oil
  • Personal Accident Benefit
  • Title Deeds Replacement
  • Accidental Damage to Audio and Visual Equipment
  • Contents Temporarily Removed
  • Home Offiice Equipment
  • Third Party Liability
  • Tenants Liability
  • Domestic Employees
  • Standard Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period

    •  

    All Risks

     

  • Automatic Unspecified All Risk
  • Single Article Limit Under UAR
  • Pedal Cycle Cover
  • Standard Excess
  • Index Linking

 

Benchmark Delux Home Policy Benefits

  • Claims Assist Line

    • Buildings

     

  • Automatic Accidental Cover
  • Fire Brigade Charges
  • Alternative accommodation
  • Door Lock Replacement
  • Title Deeds Replacement
  • Trace & Access

Additional Cover under this Section

  • Landscaping Cover
  • Adaptation of Home following disability
  • Damage to Headstones
  • Owners Legal Liability
  • Standard Excess
  • Subsidence Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period

Contents Section Cover

 

  • Automatic Accidental Damage Cover
  • New for Old
  • High Risk Items/Valuables SAL
  • Combined High RiskTotal
  • Personal Money Cover
  • Trace & Access
  • Fire Brigade Charges
  • Alternative accommodation
  • Deep Freezer Contents
  • Jury Service
  • Visitors Personals Effects
  • Fatal Accident Benefit

    •  

    Legal Fees

     

  • Contents in your Garden(open)
  • Christmas Cover
  • Wedding Cover
  • Unauthorized use of Credit Cards
  • Loss Oil
  • Personal Accident Benefit
  • Title Deeds Replacement
  • Accidental Damage to Audio and Visual Equipment
  • Contents Temporarily Removed
  • Home Offiice Equipment

    •  

    Additional Cover under this Section

  • Shopping
  • Third Party Liability
  • Tenants Liability
  • Domestic Employees
  • Standard Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period

    • All Risks

  • Automatic Unspecified All Risk
  • Single Article Limit Under UAR
  • Pedal Cycle Cover
  • Standard Excess
  • Index Linking

Sertus Home Policy Benefits

    Buildings

  • Automatic Accidental Cover
  • Fire Brigade Charges
  • Alternative accommodation
  • Door Lock Replacement
  • Trace & Access
  • Owners Legal Liability
  • Standard Excess
  • Subsidence Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period

    • Contents Section Cover

  • Automatic Accidental Damage Cover
  • New for Old
  • High Risk Items/Valuables SAL
  • Combined High Risk Total
  • Personal Money Cover
  • Fire Brigade Charges
  • Alternative accommodation
  • Deep Freezer Contents
  • Jury Service
  • Visitors Personals Effects
  • Fatal Accident Benefit
  • Legal Fees
  • Contents in your Garden(open)
  • Christmas Cover
  • Wedding Cover
  • Unauthorized use of Credit Cards
  • Loss Oil
  • Personal & Travel Assistance Benefits
  • Title Deeds Replacement
  • Accidental Damage to Audio and Visual Equipment
  • Contents Temporarily Removed
  • Business Equipment
  • Third Party Liability
  • Tenants Liability
  • Domestic Employees
  • Standard Excess
  • Average Clause
  • Index Linking
  • Unoccupancy Period

    • All Risks

  • Automatic Unspecified All Risk
  • Single Article Limit Under UAR
  • Pedal Cycle Cover
  • Standard Excess
  • Index Linking