What Does Home Insurance Cover?

Home Insurance Explained


If an item in your home has been lost or stolen, or a part of your home has been damaged, you may be wondering what your home insurance covers you for. Does it cover flood damage or items that have been lost outside of the home? What about your garage and other outbuildings?

Knowing exactly what protection your home insurance provides can be a minefield, but we’re here to help. We’ve answered the questions that you’ve been asking about your home insurance and what you’re covered for should an incident occur.

If you’ve taken your insurance out with Chill, then you can use the below to determine what your policy covers you for. Alternatively, check your policy documents.

Does home insurance cover theft outside the home?

If you’ve had a valuable possession stolen while you were out and about, you may be wondering if you’re covered on your home insurance.

Most insurance policies won’t cover items that have been lost or stolen outside of the home. The only way you could be reimbursed is if the item had been previously specified in your policy for All Risks cover. Most policies will allow you to list separately for All Risks cover any items over the value of €1,000. This will come at an additional cost but it means that these belongings are individually insured, including when you’re outside the house. For example, if your engagement ring is stolen but has been specified for All Risks cover, you may be eligible to have the ring replaced.

Does home insurance cover central heating?

Your central heating system will be covered by your buildings insurance to provide cover for oil leaks or water leaks that may be caused by burst or frozen pipes, as well as smoke damage that may be caused by a faulty boiler.

However, there are some instances where cover won't apply such as if your home is unoccupied or damage is caused by general wear and tear. For example, if your home has been left unoccupied for more than 30 consecutive days, you may not be covered for damage that may have occurred while you weren’t there.

Does home insurance cover exterior painting?

If your home has experienced smoke or water damage, you may be worried about the external parts of the house, such as the paint. Your buildings insurance should cover damage to any aspects of the building, including the exterior paint.

The only reason you may not be covered is if the property has been left unoccupied for more than 30 consecutive days.

Does home insurance cover cracked walls?

Every home will have cracked walls. Buildings naturally settle into the ground over time, so small cracks around the ceilings and windows are nothing to worry about.

However, if your home has lots of large, localised cracks or you can see daylight through a gap in the wall, then your home may have some more serious underlying issues, such as sinking foundations. General wear and tear, such as cracked walls, won’t be covered on your home insurance. However, if the cracks are caused by more serious problems, you may be able to make a claim.

Does home insurance cover fire damage?

Your home insurance will cover any damage that has been caused by a fire or smoke, regardless of whether the fire was accidental or arson. You must make sure that your home isn’t underinsured or you could lose out.

Does home insurance cover flooding or water damage?

Home insurance can be useful if your policy covers for flood damage and you are not in a flood risk area. In this case, your buildings insurance will cover flood damage caused naturally and shouldn’t be the result of frost damage or rising groundwater levels. Insurance will usually cover your home and any additional outbuildings, but any swimming pools, terraces, drives, gates or tennis courts may not be covered.

You will also be covered for water damage, however cover may depend on how the water damage was caused. If it was from frozen or burst pipes, then you should be able to claim on your insurance. However, if the water damage was caused by a faulty shower or a leaking bath, you may not be covered. Again, check your policy document to confirm such details.

Does home insurance cover garages?

The contents of your garage or other outbuildings may be covered by your contents insurance for incidents such as theft. You should check your policy documents to confirm this. Some policies may only cover outbuildings up to a certain value, such as €3,000. If multiple items have been stolen that have a total value over this amount, you may not receive compensation to cover your full loss.

Garages or outbuildings should be kept secure at all times. You should avoid keeping valuables in them if it can be avoided. Expensive bikes and tools may need to be insured separately.

Does home insurance cover garden walls?

Buildings insurance will protect your building and any other permanent fixtures on your property, including walls, gates and fences. Do be aware that some fences may belong to your neighbours and are therefore not your responsibility.

Does home insurance cover wind damage?

Damage that has been caused to your home by wind will be covered under your buildings insurance as storm damage. For example, if a tree falls on your home because of high winds, your insurance should cover the cost of the damage caused. Generally, garden walls and fences are excluded under wind damage.

Knowing what your home insurance covers you for could save you in a crisis. If you have any further questions about your home insurance, then get in touch with Chill. Call us today on 01 4003400 or get a Quick Quote above.