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
We'll help you celebrate your dream home with an impressive discount of up to 35% (1). We reward existing home owners too: you can avail of our 40% no claims discount (2) if you have held a home insurance policy and are claims free for 5 years.
Get the peace of mind that comes with knowing your most valuable asset is protected. If things go wrong, we'll help you take care of the details, from replacing the door locks to refilling the freezer (3).
Our insurers provide extra protection for those special moments in life: they'll increase your contents cover by 10% for the month of December and for 30 days before and after the wedding of any member of your immediate family.
We're powered by people just like you, living in communities all over Ireland. Our experienced team is on hand to get you the help you need.
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.
We'll be there to help should the worst happen, covering up to €3,500 of Fire Brigade call-out charges.
We understand that your no-claims discount is important to you, so with us, you can make 1 claim up to €10,000 in a 3-year period without losing it.
Safeguarding your home can help reduce your bills as well as your risk. Enjoy a 12.5% discount if you have an approved burglar alarm. (5)
Help is just a phone call away with our Home Emergency Assistance service, which will help you secure and protect your home (6).
If your keys are stolen we will replace your door locks, up to a maximum of €1,200.
Covers loss or damage to frozen food up to €1,000.
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 MAPFRE ASSISTANCE Agency Ireland.
We value your feedback
This is my second year insuring my car with An Post Insurance, which is unusual for me. Normally the premium in year 2 is much higher than year 1 & I insure elsewhere! Not so with An Post Insurance. I got a better quote & policy this year. Everything about the entire process was hassle-free. Simple payment method & I received my documents, including insurance disc, in the mail the next day! An Post Insurance are definitely worth checking out... Martina 02 - Sept - 2024
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 MAPFRE ASSISTANCE Agency Ireland.
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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