First Time Buyers
We're Human About First-Time Buyers Insurance
Let us protect your house, while you make it a home. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you.
How we Help
1) New home customers to An Post Insurance can avail of a 10% New Business Discount. First Time Buyers can also avail of a further 25% No Claims Discount, meaning an impressive 35% discount for First Time Buyers. Discounts are applied consecutively.
2) This discount is available if you have held a home insurance policy with no gaps in cover and are claims free for 5 years.
3) Get up to €1,200, if your keys are stolen and your locks need replacing. Cover for loss or damage of frozen food up to €1,000.
Features and Benefits
Whether you're purchasing a house or an apartment, we've got you covered. We’re proud to help our customers protect their no-claims discount, even if the unexpected happens (4). You can even upgrade your policy with extras such as family legal protection**, for added peace of mind.
4) You can make one claim up to €10,000 in a 3-year period without losing your No Claims Discount.
**Family Legal Protection is available as an optional extra on your Home Insurance policy, at a cost of just €15 per policy. It is not necessary to purchase this optional extra in order to purchase a Home Insurance policy. It will pay up to €65,000 to cover the legal costs that you may incur for claims made under the policy. Family Legal Protection is underwritten by ARAG Legal Protection Limited.
5) Discounts are applied consecutively and are subject to a minimum premium. Must be fitted to EN50131 (old IS199) standards and installed by an intruder alarm company approved by the National Standards Authority of Ireland. The installer should hold a P.S.A. (Private Security Authority) licence.
6) If you have an emergency in your home, we will provide a repair service to secure your home and help prevent further damage from occurring. Cover for up to €260 per incident, limited to 3 claims per policy year. If you experience an emergency at home, please telephone 091 545 909 or if you are calling from outside of Ireland telephone +353 91 501698. This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
We value your feedback
I recently renewed my car insurance, and the process was seamless from start to finish. The team was professional, efficient, and took the time to explain my options clearly. What stood out most was their excellent customer service—friendly, knowledgeable, and always willing to assist with any questions. I truly appreciated the hassle-free experience and the speediness of the process. Highly recommend their services to anyone looking for a smooth and stress-free renewal process! Angela - 11th Feb - 2025
Good to Know
We've gathered together all the details you need to better understand your home insurance options. Take a look at our home insurance FAQs and learn more about how we can help you get the cover you deserve, at the price you prefer. You can also read our practical in-depth Step by Step Guide to Buying a New Home and Staying Sane.
Accidental Damage Cover is an optional benefit available for an additional premium on home insurance plans which extends cover to include accidental events, giving rise to a loss, e.g. a large spillage on the carpet, if someone puts their foot through the ceiling.
It is not necessary to purchase this optional extra in order to purchase a Home Insurance policy.
If you have an emergency in your home, Home Emergency Assistance will provide a repair service to secure your house and help prevent further damage from occurring. Home Emergency Assistance provides cover for up to €260 per-incident and it is limited to 3 claims per policy year.
This cover is underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
Please note, an excess is not payable when using Home Emergency Assistance.
The excess on your Home Insurance Policy refers to the amount payable by you, in the event of a claim. Under this policy, you will be required to pay a standard excess. You have the option to increase the excess, which will reduce your premium. Please refer to your policy documents to find out what excess is applicable to you.
The reinstatement value is the cost of completely rebuilding your house (less the value of the site) including architects and surveyors fees. It is important to note that the reinstatement value is the figure for which your house should be insured, rather than the market value of your home. For more information on calculating the reinstatement value of your house.
Family Legal Protection is an optional extra that offers help and advice with the most common legal problems. It will pay up to €65,000 to cover the legal costs that you may incur for claims made under the policy. You have access to a 24 Hour Helpline which will provide help and advice on any personal legal matter from a team of legal experts.
Available as an optional extra on your Home Insurance policy, at a cost of just €15 per policy. It is not necessary to purchase this optional extra in order to purchase a Home Insurance policy.
Family Legal Protection is underwritten by ARAG Legal Protection Limited
Need Help?
An Post Insurance Home Insurance is underwritten by Aviva Insurance Ireland DAC.
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