Tailored Home Insurance for Your Every Need
Your home stands as one of your most valuable assets, and you deserve the assurance that comes with knowing it’s well-protected.
Comprehensive Home Insurance Solutions
At Dooley Insurances, we are dedicated to providing you with comprehensive home insurance solutions that offer both security and confidence.
Expert Guidance
Our expertise lies in guiding you to the perfect home insurance policy that not only covers your house but also ensures the protection of your belongings.
Tailored Coverage
With our tailored approach, we help you secure a policy that meets your specific needs and preferences, so you don't have to compromise on coverage.
Peace of Mind
Experience the benefits of a personalized insurance plan designed to offer maximum protection and peace of mind for your home and its contents.
Kira Coleman
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Dooley Insurances Ltd t/a Dooley Insurance & Mortgage Brokers and The Dooley Insurance Group is regulated by the Central Bank of Ireland.
Frequently Asked Questions
Everything you need to know about home insurance
If you own a property, rent, or have a vacation property, having home insurance is essential.
Your Home Insurance policy will protect you from natural, accidental or unforeseen accidents.
Home insurance typically covers:
- Loss or damage by fire, theft, flood, explosion, storm, and lightning
- Loss or damage by smoke if there is faulty operation of any oil, gas, electric domestic heaters or domestic cooking appliances within the premises
- Loss or damage due to the escape of water from plumbing or heating system, fixed water appliance or fixed domestic appliance
- Loss or damage caused by vandalism or malicious damage
Home insurance includes buildings insurance and contents insurance.
Buildings insurance: Covers the cost of rebuilding or repairing your home if it's damaged. This includes damage from leaks, subsidence, fire, flood, or storm. It covers anything you can't take with you when you move.
Contents insurance: Covers your personal belongings, furniture, and appliances if they're stolen or damaged. This applies to items that aren't fixed features in your home.
Most people get both types, but contents insurance can be taken out separately, which is ideal for renters or those in apartments.
If your property is insured for less than its actual value, any claims you make may be reduced accordingly.
Several factors influence your home insurance premium:
- Rebuilding cost and contents value: Higher rebuild costs and greater insured contents values lead to higher premiums.
- Age of the home: Older houses generally have higher insurance costs due to their construction and vulnerability to damage.
- Location: Homes in high-crime areas or flood-prone regions often have higher premiums. Urban areas typically have higher rates due to burglary risks.
- Security measures: Installing effective security systems can lower your insurance costs. Consult your insurer for recommended security measures.
- Excess amount: Opting for a higher excess reduces your premium costs.
Consider these security enhancements:
- Install a visible home alarm system (monitored systems may qualify you for a discount)
- Fit security locks on windows and doors
- Implement fire safety measures including smoke detectors, fire extinguishers, and sprinklers
- Install a carbon monoxide alarm
- Use motion detector lights outside your home
- Use timer switches for lights to give the appearance of occupancy when you're away
- Secure valuables and keys out of plain sight
Some security systems may be costly to install, and not all may lower your insurance premium. Consult with your insurer to assess the cost-effectiveness of each measure for your situation.
