Peopl. Insurance - Maximum Protection For Your Home Skip to main content

Protect Your Home With
Fair Home Insurance

Home_Insurance_Couple

We Want You To Feel Safe With Fair Home Insurance

Every year people are paying more to renew their home insurance than necessary. That’s why along with our credit union partners we make sure to provide you with the some of the most affordable home insurance in Ireland, year after year.

Peopl. Insurance means insurance that’s fair, honest and transparent. We want to help you understand what’s covered under your contents cover, what your rebuild value really is and why you should know it. In short we want you to have the best insurance cover available. with clear policy conditions.

As Ireland’s most innovative and people focused insurer we work with Ireland’s most trusted financial services, Credit Unions, to bring you insurance you can rely upon. So you can trust us to bring you the best policy every year.

Get A Quote

Why Choose Peopl. Insurance?

At Peopl. Insurance, we understand that no two homes are the same, and we’re here to help with: 

Easy_Quick_Friendly_Quotes

Easy, quick and friendly quote with same day cover

Policies_Tailored_To_You

Policies customised to your unique circumstances

Insurance_Made_Simple_Blue_Icon

A simple process to get covered quickly

Expert_Advice_Blue_Icon

A team of friendly experts who understand your needs

What Is Non-Standard Home Insurance?

Non-standard home insurance is designed for properties or situations that don’t meet the criteria of standard home insurance policies. Most commonly a house requires non-standard insurance because of the materials or methods of construction. However there are reasons – such as landlords insurance- that mean even a home with standard construction requires non-standard insurance. Whether your home is built with non-traditional materials, is used for business, or is let out, Peopl Insurance provides personalised solutions to protect your property.

From the insurance companies point of view, non-standard insurance is based on the increased risk or cost of any claims that you make compared to a standard home. 

Benefits Of Peopl. Insurance Policies

Insurance_Built_Around_Your_Needs_Blue_Icon

Tailored to meet your specific needs. 

Great_Value_Insurance_Blue_Icon

Competitive pricing without cutting corners.

Insurance_Built_On_Trust_Blue_Icon

Join homeowners across Ireland who rely on Peopl. Insurance. 

Collabarative_Insurance_Blue_Icon

With Peopl. Insurance, you’re not just getting a policy; you’re getting peace of mind. 

Get A Quote

Who Needs Non-Standard Home Insurance?

You might need non-standard home insurance if your property falls into any of the following categories

Business Use – Do you run a business from home or meet clients in your property? This may represent an increased risk to insurance companies, as such you will require a non-standard policy to protect you and your home.

Poor Claims History – If you’ve had multiple claims in the past resulting in struggles to get insured, it  can signal increased risk to insurance companies. But we can help you secure protection and get you back on track.

Non-Standard Construction – If your property is built with non-traditional materials such as timber, steel, or has a thatched roof we provide specialist policies to protect your home. This applies to modern modular homes in Ireland at the moment, as both the materials and methods of construction are considered non-standard.

Gaps in Cover – A gap in cover, where your home has been uninsured for a time, doesn’t mean you have to stay unprotected. We’ll help you get back on the right path with reliable cover, however it is likely that having a gap in cover will prevent you from purchasing standard home insurance at a reasonable premium.

Let Properties – Whether you’re renting to families, professionals, retirees, students, or tenants receiving benefits, the fact that you are not an occupant in the home means that you will need to seek non-standard insurance.

Unoccupied Homes – If your home is unoccupied due to renovations, waiting for tenants, or being put up for sale, our cover protects against risks like theft, vandalism, and weather damage. You may be able to transition into standard insurance after the home becomes occupied again.

Second Homes – Whether you have a vacation home or you split your time between multiple areas, a second home signifies higher risk- partly due to how often it’s unoccupied. At Peopl. we’re able to offer great value cover for any of your homes.

Get A Quote

Why Choose Peopl. Insurance

At Peopl. Insurance, we understand that no two homes are the same, and we’re here to help with: 

Quick_And_Friendly_Same_Day_Cover

Easy, quick and friendly quote with same day cover

Quote_Engine_That_Provides_You_With_A_Fair_Premium

Policies customised to your unique circumstances

Insurance_Made_Simple

A simple process to get covered quickly

Expert_Friendly_Advice

A team of friendly experts who understand your needs

What is non-standard home insurance?

Non-standard home insurance provides cover for properties that fall outside the typical requirements for standard policies. This includes homes with unique construction or those used for business or rental purposes. 

What counts as non-standard construction? ?

Non-standard construction includes homes built with materials like: 

  • Timber frames 
  • Thatched roofs 
  • Prefabricated or modular designs
  • Steel or glass structures

Peopl. Insurance specialises in insuring these types of homes.

Can I get insurance with a poor claims history?

Yes, we can help. If you’ve had issues securing insurance due to multiple claims, we’ll work with you to find the best cover for your needs.

What is a “gap in cover”?

A gap in cover happens when your home has been uninsured for a time, whether due to a lapse in policy or a change in ownership. Peopl Insurance offers solutions to help homeowners regain protection quickly and easily. 

Do you cover rental properties?

Yes, we provide cover for properties rented to: 

  • Families 
  • Working professionals 
  • Retirees
  • Students 
  • Benefit-assisted tenants

Whether you’re an experienced landlord or renting out your first property, we’ve got you covered. 

What if my home is unoccupied?

We offer policies for unoccupied homes, protecting your property from risks like theft, vandalism, or damage while it’s vacant.

Do you insure second homes?

Absolutely. Whether your second home is a holiday house or a rental property, we offer tailored policies to ensure it’s fully protected. 

Can I combine business and residential cover?

Yes, if you use part of your home for business purposes, we provide combined policies that cover both your home and your work. 

Accidental damage is a broad stroke term which covers any sudden, unexpected and visible damage which is unintentional. If for example you had a tradesman working in your home and they caused damage to your wall this would be classified as accidental damage under your insurance policy. As would a window broken by a ball, or any other similar event.

Since this is a such a catch all term it is hard to know exactly what is covered without reading your insurance policy. Like with other forms of cover  the rule of thumb is if something poses a clear preventable risk, then it can lead to higher premiums or stipulations. Large trees overhanding the property, for example, may not be covered in the event of it falling. If you are in doubt about what is covered, you should get in contact with your insurer to seek clarification.

Get A Quote
Buildings-Cover_Home_Insurance_Icon_Blue

Buildings Cover

Your building cover is the aspect of your home insurance that protects the house itself. The structure of the home and any permanent fixtures will be protected by this. The most important thing to understand is the value of your home. Usually when we think about this we think of the resale value, but, with house insurance we are actually looking for the rebuild costs. That means the cost of rebuilding your home from the ground up if it were to be completely destroyed. If you are unsure of your rebuild costs you can get an idea here.

House insurance in Ireland is often a requirement when you are buying a house as lending organizations are will stipulate insurance as a requirement of receiving the mortgage. It is not a requirement to purchase home insurance from the organisation that you are borrowing from or their affiliates however. So, it often pays to shop around for your home insurance policy. We offer some of the fairest home insurance quote around from a panel of top rated underwriters to protect your home from all kinds of damage.

Contents Cover

Contents cover is the part of your isurance policy that covers all of your valuables. An easy way to think about what is counted as contents, is if you turned your house upside down, anything that fell out would be contents. It’s an importnat aspect of home insurance which covers you in the case of theft, damages and other loss of valuables.This could b anything from a T.V. to a famly heirloom. When you’re trying to valueyour contents insurance it’s best create an inventory of your most valuable posessions and make a note of the cost. This will make sure that you are neither over or underinsuring your contents.

Remember that not all items are created equal when it comes to contents insurance. Certain items may be classes as high risk, such as valuable jewellery or expensive computers. Make sure you take note of how your policy handles these items. It is also worth noting that items stored outside may not be covered by default, or may have specific stipulations to cover.

Contents_Cover_Home_Insurance_Blue_Icon
Get A Quote

What Kinds Of Damages Are Covered?

Home policies can vary in what they cover so it’s important to familiarise your self with your policy wording as soon as possible. You can find all of our policy documents here to give you an idea of what you will likely be able to make claims for. Below you will find some examples of the main risks that are covered in a standard home insurance quote in Ireland

Water_Damage_Cover_Home_Insurance_Blue_Icon

Water Damage

This may be separated into escaping water damage and flood damage. If the water is coming from a leaking pipe (or even something like a fish tank),then that’s escaped water, this might cause damage to walls and floors, or other possessions. Your insurance pay-out is likely not going to include the damaged pipe or item itself, but only the damage caused directly by the escaped water. The damage which caused the leak is covered by a separate clause.

Flood damage covers most damage caused by the overflow of bodies of water, such as lakes, rivers or canals. Is also refers to damage caused by a downpour that can’t be fully absorbed and sits at ground level. Flooding damage usually has stipulations in your insurance policy that you should familiarise yourself with, such as building on known flood-lands.

Fire_Damage_Protection_Home_Insurance_Blue_Icon

Fire Damage

In the event that there is a fire in your home, both the structure and contents are covered for fire damage. Often this will include smoke damage. However there are stipulations to this cover too, depending on your insurance details you may not be covered for fire damage if your home was built before a cartain year and has not been subsequently rewired within a specified time period. This is to do with old wiring being an indicator of significantly higher fire risk.

Other stipulations may apply to fire damage so make sure to read your insurance policy, but as a general rule of thumb, as long as there are no clear and preventable fire hazards you should be able to get a reasonable quote and be covered. Insurance premiums are all about the risks, so whether you’re buying  a new home or reinsuring do your due diligence to  save money.

Accidental_Damage_Cover_Home_Insurance_Blue_Icon

Accidental Damage

Accidental damage is a broad stroke term which covers any sudden, unexpected and visible damage which is unintentional. If for example you had a tradesman working in your home and they caused damage to your wall this would be classified as accidental damage under your insurance policy. As would a window broken by a ball, or any other similar event.

Since this is a such a catch all term it is hard to know exactly what is covered without reading your insurance policy. Like with other forms of cover  the rule of thumb is if something poses a clear preventable risk, then it can lead to higher premiums or stipulations. Large trees overhanding the property, for example, may not be covered in the event of it falling. If you are in doubt about what is covered, you should get in contact with your insurer to seek clarification.

Get Your Quote Now!

Peopl_Insurance_Supported_By_Abbey_Autoline_Transparent_Logo

Our Credit Union Partners