Why choose Arachas?

Home is where the heart is – build it, buy it, or rent it - we’ll help you protect it.

  • We offer you more choice from trusted insurers. Choose the policy and price that's right for you.
  • 90% of customers stay with us year on year because we do what we say and we keep our promises.
  • Getting home insurance with us is quick and easy, it just takes 5mins to quote and buy online. You can use our MyArachas digital wallet to access your documents anytime, anywhere you need

What’s covered at a glance

House insurance

Oil & Water

Discovered an overflow or leak from your plumbing or heating system? We’ve got the cost of the leak & the clean-up covered.

Accidental Damage

Accidental Damage

Spilled red wine on a brand-new carpet or smashed a window by mistake? Don’t worry, we can help you with this.

fire brigade

Fire brigade

Nobody wants to call the fire brigade to their home, but if you do – we’ll take the heat away from you by handling your insurance.


house insurance quote

Take a closer look

Benefits

Whatever you want, we’ve got it.


Emergency Home Assistance

Rest Easy. Whether it be a burst pipe, a leaking roof or need to replace outside door locks following theft of keys, we will ensure you have immediate assistance, day or night. All of our home customers can avail of a 24-hour emergency assistance helpline.


Oil and Water Leaks

We provide cover for damaged pipes and cables including cover for tracing the source of a water or oil leaks, plumbing costs for blocked sewer pipes and cover for the clean-up expenses following the escape of water or oil.


Alternative Accommodation

If you’ve had a claim and you need to move out while repair works take place, don’t worry. We will pay for the cost of temporary alternative accommodation up to value of 20% of the sums insured.


Home Office Equipment

Remote working is increasing and more of us are working from home. Our contents cover automatically provides cover for personal office equipment and furniture to a value of €4000.


Product Details

Compare what’s covered under each policy

Category Aviva Axa Allianz Zurich
Max unoccupancy periods permissible for claims cover Optional Extra
€1,000
Optional Extra
€750
Optional Extra
€650
Optional Extra
€750
Temporary Alternative Accommodation Max 15% of buildings and contents sum insured Max 15% of contents sum insured Max 15% of buldings and contents sum insured 20% of buildings and contents sum insured
Contents Temp Removed limits 20% of contents sum insured 20% of contents sum insured 15% of contents sum insured 15% of contents sum insured
Fatal Accident Benefit €3300 for insured, domestic partner and €260 for pet provided death occurs within 3 months of insured incident €5000 for insured if death occurs within 3 months of insured incident €5,000 for death of insured or spouse. If death occurs within 3 months of insured incident €3250 max payment for insured and/or partner if death occurs witin 12 months of the insured incident
Family Personal Accident Not insured Not insured Not insured €6,500 per insured family member up to max of €65000 (automatic?)
Money Limit €400 €750 €650 €400
Credit Card Limit €650 €750 €650 €800
Loss of Keys/Lock Replacement €400 €750 no limit specified €700
Contents Limits for valuables 5% of contents sum insured or €2600 5% of contents sum insured or €5000 whichever is greater or max up to a a third of contents sum insured where claim relates to valuables only 10% of contents sum insured up to a max of 50% of the contents sum insured A third of the contents sum insured or €4,000 whichever is greater
Freezer Contents €650 €750 €650 No limit speciified
Fire Brigade Charges €1,500 €2,600 €2,000 €2,000
Home Office Equipment Limit     €4,000 €4,000
Jury Duty €40 per day €650 total €20 per day or €750 total Not specified  
Contents in the Open   €750 €650 €750
Satellite/Aerials €650 €2,500 €1,300 €650
Title Deeds limit €1,000 €1,300 €650 €650
Visitors Property limit €400 €1,500 €1,300 €800
Wedding Gifts 10% uplift in contents one month in advance of wedding 10% uplift in contents sum insured for one month before and one month after wedding 10% upift in contents sum insured for one month before and one month after wedding 10% uplift in contents for one month before and one month after wedding
Christmas gifts 10% uplift in contents month of December 10% uplift in contents month of December 10% uplift in contents for months of December and January 10% uplift in contents for month of December only
Public/Legal Liability €3,000,000 €3,000,000 €3,175,000 €1,300,000
Domestic Employee Liability €3,000,000 €3,000,000 €3,175,000 €2,600,000
Accidental loss of oil €1000 but only if home not unoccupied fo rmore than 60 days in a row €750 No limit specified €1,000
TV’s, video, audio and home computer equipment limits   €2,000 €1,300 Limit not specified
Home Emergency Assist     €300 per incident up to 4 times a year  
Max unoccupancy periods permissible for claims cover
Aviva
Optional Extra
€1000
Axa
Optional Extra
€750
Allianz
Optional Extra
€650
Zurich
Optional Extra
€750
Temporary Alternative Accommodation
Aviva
Max 15% of buildings and contents sum insured
Axa
Max 15% of contents sum insured
Allianz
Max 15% of buldings and contents sum insured
Zurich
20% of buildings and contents sum insured
Contents Temp Removed limits
Aviva
20% of contents sum insured
Axa
20% of contents sum insured
Allianz
15% of contents sum insured
Zurich
15% of contents sum insured
Fatal Accident Benefit
Aviva
€3300 for insured, domestic partner and €260 for pet provided death occurs within 3 months of insured incident
Axa
€5000 for insured if death occurs within 3 months of insured incident
Allianz
€5,000 for death of insured or spouse. If death occurs within 3 months of insured incident
Zurich
€3250 max payment for insured and/or partner if death occurs witin 12 months of the insured incident
Family Personal Accident
Aviva
Not insured
Axa
Not insured
Allianz
Not insured
Zurich
€6,500 per insured family member up to max of €65000 (automatic?)
Money Limit
Aviva
€4,000
Axa
€750
Allianz
€650
Zurich
€400
Credit Card Limit
Aviva
€650
Axa
€750
Allianz
€650
Zurich
€800
Loss of Keys/Lock Replacement
Aviva
€400
Axa
€750
Allianz
no limit specified
Zurich
€700
Contents Limits for valuables
Aviva
5% of contents sum insured or €2600
Axa
5% of contents sum insured or €5000 whichever is greater or max up to a a third of contents sum insured where claim relates to valuables only
Allianz
10% of contents sum insured up to a max of 50% of the contents sum insured
Zurich
A third of the contents sum insured or €4,000 whichever is greater
Freezer Contents
Aviva
€650
Axa
€750
Allianz
€650
Zurich
No limit speciified
Fire Brigade Charges
Aviva
€1,500
Axa
€2,600
Allianz
€2,000
Zurich
€2,000
Home Office Equipment Limit
Aviva
 
Axa
 
Allianz
€4,000
Zurich
€4,000
Jury Duty
Aviva
€40 per day €650 total
Axa
€20 per day or €750 total
Allianz
Not specified
Zurich
 
Contents in the Open
Aviva
 
Axa
€750
Allianz
€650
Zurich
€750
Satellite/Aerials
Aviva
€650
Axa
€2,500
Allianz
€1,300
Zurich
€650
Title Deeds limit
Aviva
€1,000
Axa
€1,300
Allianz
€650
Zurich
€650
Visitors Property limit
Aviva
€400
Axa
€1,500
Allianz
€1,300
Zurich
€800
Wedding Gifts
Aviva
10% uplift in contents one month in advance of wedding
Axa
10% uplift in contents sum insured for one month before and one month after wedding
Allianz
10% upift in contents sum insured for one month before and one month after wedding
Zurich
10% uplift in contents for one month before and one month after wedding
Christmas gifts
Aviva
10% uplift in contents month of December
Axa
10% uplift in contents month of December
Allianz
10% uplift in contents for months of December and January
Zurich
10% uplift in contents for month of December only
Public/Legal Liability
Aviva
€3,000,000
Axa
€3,000,000
Allianz
€3,175,000
Zurich
€1,300,000
Domestic Employee Liability
Aviva
€3,000,000
Axa
€3,000,000
Allianz
€3,175,000
Zurich
€2,600,000
Accidental loss of oil
Aviva
€1000 but only if home not unoccupied fo rmore than 60 days in a row
Axa
€750
Allianz
No limit specified
Zurich
€1,000
TV’s, video, audio and home computer equipment limits
Aviva
 
Axa
€2,000
Allianz
€1,300
Zurich
Limit not specified
Home Emergency Assist
Aviva
 
Axa
 
Allianz
€300 per incident up to 4 times a year
Zurich
 

Frequently asked questions

Q1: Is Home Insurance Compulsory?

Home insurance includes buildings and contents insurance and as a complete product is not deemed compulsory insurance. However, if you are planning to buy your home with a mortgage, your lender will require that you take out buildings’ insurance.

Q2: What does home insurance cover?

Your home insurance policy can be tailored to your individual needs and requirements and cover and restrictions will vary depending on which options you choose. A standard home insurance policy typically contains two main components: building insurance and contents insurance.

  • Buildings insurance provides cover for the structure of the home, domestic outbuildings and permanent fixtures.
  • Contents insurance provides cover for household goods and personal belongings. Important: Cover and restrictions will vary depending on which option you have chosen.

Some Optional covers available from certain insurers at an additional cost:

  • Accidental Damage
  • All Risks / Personal Possessions

Q3: What is Accidental Damage?

Accidental damage covers unintentional damage to the building or its contents. For example, putting a foot through the ceiling whilst in the attic above. You can add accidental damage cover as an optional add-on to your policy, to ensure you’ve cover for unexpected damage that’s caused accidentally. Accidental damage can be added to your home insurance, where the home is owner occupied or to renter’s insurance.

Q4: Is my garage content covered in my home insurance?

YES, your garage contents are covered under your home and contents insurance.

Q5: How much should I insure my house for?

Calculating how much insurance cover you will need will depend on the rebuild cost of your home. Buildings insurance will cover you for loss or damage of the property due to fire, flood, subsidence, storms and damage caused by escape of water and oil, so making sure that your property is adequately insured is crucially important. When working out the value of your property consult The Society of Chartered Surveyors Chartered Surveyors Rebuild Calculator

Q6: How much contents cover do I need?

Contents insurance is designed to protect your belongings, and as a general rule, your contents are any items you can take with you if you decided to move house.
When you take out contents insurance you will be asked how much cover you need or what the value of your contents are. As a rule of thumb, anything you would take with you if you moved to a new house should be covered by contents insurance.
When calculating your contents cover you need to consider the total value of the possessions in your home and what it would cost to replace all these items due to, for example, a fire.

Q7: What is accidental damage cover?

Accidental damage can be purchased as an optional add-on to your home insurance, where the home is owner occupied or for renter’s insurance.
Accidental Damage covers unintentional damage to the building or its contents. For example, putting a foot through the ceiling whilst in the attic above, or knocking over the TV.
Accidental Damage is an optional cover which provides protection for events not covered by the normal perils of fire, flood, theft, etc. You can have both accidental damage insurance for buildings and accidental damage cover for contents. When taking out home insurance always check what exactly is covered under accidental damage. Make sure you check the terms and conditions of your policy because if you have accidental damage cover for your building it doesn’t necessarily mean you have accidental damage cover for your contents.

Q8: What is an excess?

An excess is a fixed amount you have to pay if you decide to make a claim on your policy. Check our Insurer comparison table to see the standard excess that applies to your policy. Please note that different excesses apply for certain types of claims so you need to refer to your policy schedule and policy booklet to what excesses apply to your policy.
Some insurers off the option of paying a higher Policy Excess of €500 or €1,000 which could lower your home insurance premium. So if you’re looking to reduce the cost of your home insurance policy, you should look at what your Policy Excess is and consider increasing it to lower the cost. Important to remember then this increases the amount you will be required to pay in the event of a claim.

Q9: I am working from home, am I covered?

Insurers offer cover for home office equipment as standard under the contents cover up to a certain limit in any one policy year. This would include computers, laptops and printers.
There is no need to contact us to let us know you are working from home as your home office equipment is covered as explained above. And don’t worry, if the company you work for has provided you with a computer or laptop, they can be covered also.

Q10: Is my garden equipment and shed covered?

Cover is provided for domestic outbuildings and the contents are covered if securely locked into the outbuildings

Q11: What are All risks cover?

All Risks cover is an optional extension of cover under your policy which protects you against loss or theft of, or accidental damage to, personal valuables such as jewellery, clothing, photographic equipment etc. both inside and outside your home. It also covers you for items you take abroad for up certain number of days. You would need to refer to policy booklet for full details of cover that applies.
There are two types of All Risks cover:

  1. Specified All Risks Cover: which allows you to list individual items on your policy and specify their value. Specified items normally include jewellery, hearing aids, bicycles, cameras and other valuables. Each item is covered up to the amount you insure it for.
  2. Unspecified All Risks Cover: is an umbrella style cover which allows you to select a total amount that your personal effects will be covered for each year. There is no need to list each item individually. This cover is designed for items such as glasses, mobile phones, handbags etc.
  3. Certain limits apply to Unspecified All Risks cover and vary by insurer but are clearly outlined on the policy booklet.

Q12: My house is not standard construction. Can I still get cover?

Arachas specialise in non-standard construction property insurance. It is important that the insurer knows all of the details. You can rely on our advice. Call us on 01 213 5000 and talk to one of our home experts where they will ask you some questions around the cover you require and search for the best cover for you.

Policy documents

Other Products

Landlord Insurance

House insurance quote

Cover for your rental property against damage or loss.

Mobile Homes

caravan/mobile home insurance

Peace of mind for mobile home owners.

Holiday Home

Working from home

Protection for your holiday home and everything in it.

Non-Standard House

Non Standard House

Insurance for Non-Standard House.

Working From Home

Working from home

Get in touch with us, answer a few questions, and we’ll get started on your quote.

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Unoccupied House

House insurance quote

We can provide advice to make sure that you have appropriate cover in place.

 

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015920898