Frequently asked questions about contents cover

How can I calculate the amount I should insure my contents for?

  • Your contents sum insured should represent the total value of the possessions in your home. The general rule is that contents are all items that you would take with you if were to move home, in other words “moveable objects”.


    For example, this will include;
    • Furniture
    • Clothes
    • Personal belongings

    You should also take into account items such as;

    • Curtains
    • Carpets

Are the contents of my shed/garage covered by my home insurance policy?

  • Yes, our standard home insurance policy with buildings and contents cover also extends to any outbuildings located on your property, which also includes the structure and the contents of your garage or shed.


    Terms and conditions apply, please refer to your policy document for more information.

Am I covered for property stolen from my garden?

  • Yes, your home insurance policy will cover your garden furniture up to €750


    Please note these valuables are excludded;


    • Money
    • Plants
    • Shrubs
    • Trees
    • Bicycles

    Terms and conditions apply, please refer to your policy document for more information.

What is Personal Possessions Cover?

  • You can choose from two different types of cover: Specified Possessions and Unspecified Possessions.


    Personal Possessions Cover is an optional extra that you can add to your home insurance policy.


    Under this section you can insure your valuable items away from your home, such as:


    • Jewellery
    • Laptops
    • Cameras

    Terms and conditions apply, please refer to your policy document for more information.

What is Specified Possessions Cover?

  • With Specified Possessions Cover you can insure individual items away from your home and specify their value on your policy.


    The examples of such items include:


    • Jewellery
    • Watches
    • Hearing aids
    • Sports equipment

    Please note: that there are limits to the amount you can insure individual items on your policy.

    Specified Possessions Cover is an optional cover and the additional charge will apply if you want to buy this cover.


    Section D of your policy schedule will show if you have this cover included on your policy. You can access this document in your MyAXA account. Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.



    Terms and conditions apply, please refer to your policy booklet and schedule for more information specific to your policy.

What is Unspecified Possessions Cover?

  • Unspecified Possessions Cover is an umbrella type cover which allows you to select a total amount of cover for valuable items away from your home. There is no need to list each of the items individually.


    You can select a set amount for which you would like to insure the unspecified items. This cover it designed for small values items up to €1000. This means that the most we will pay for any claim is the amount you set less your policy excess.


    Examples of items that can be covered include:


    • Jewellery
    • Laptops
    • Hearing aids

    Unspecified Possessions Cover is an optional cover and the additional charge will apply if you want to buy this cover.


    Section D of your policy schedule will show if you have this cover included on your policy which you can access in your MyAXA account.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.


    Terms and conditions apply, please refer to your policy booklet and schedule for more information specific to your own policy.

I rent out one of the rooms in my home can I still get home insurance?

  • Yes, you can still buy a home insurance policy if you have a paying tenant in your home. Please make sure you let us know about this when getting your quote and setting up the policy.


    To get a quote or amend our existing policy, please contact us on 1890 24 7 365 or visit one of our branches as this cover is not available online.

Does my home insurance policy cover my contents in my freezer?

  • Yes, your home insurance policy covers you for loss or damage to your freezer contents. The most we will pay for any claim is €750.


    Section E of your policy schedule will show if you have this cover included your policy. You can access this document in your MyAXA account.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.


    Terms and conditions apply, please refer to your policy booklet and schedule for more information for more information specific to your own policy.

Does my home insurance policy cover me for jury service?

  • Yes, your home insurance policy covers you for you for jury service. The most we will pay is €20 a day for each day you go to court for jury service. The most we will pay for any one claim is €750.


    Please note: you will have to give us a written proof of your jury service.

    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.


    Terms and conditions apply, please refer to your policy booklet and schedule for more information for more information specific to your own policy.

What is Personal Accident Cover?

  • Personal Accident Cover covers you, your partner and children up to the age of 18 for in the event of;


    • Injury
    • Loss of limb
    • Loss of sight
    • Permanent total disability

    The most we will pay for any one claim is €65,000.


    Personal Accident Cover is an optional cover and an additional charge will apply if you want to add this cover to your policy. Section I of your policy schedule will show if you have this cover included on your policy. You can access this document in your MyAXA account.


    Alternatively, you can contact us on 1890 24 7 365 or visit one of our branches.


    Terms and conditions apply, please refer to your policy booklet and schedule for more information for more information specific to your own policy.

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