The Home4Loan policy, is a modern and flexible product designed to provide home insurance coverage for those who have availed themselves of a home loan facility. The policy is designed to cover all kinds of buildings, whether in a finished state or in shell form.

Below is a summary of protection we provide for you and your family, when purchasing our Home4Loan Insurance Policy   

Buildings are covered for loss or damage caused by the following risks:

• Fire & smoke
• Explosion 
• Lightning and thunderbolt
• Earthquake
• Riot strikes and labour disturbances
• Aircraft and other aerial devices or anything dropped from them
• Storm or flood (including overflow from the sea)
• Theft or attempted theft
• Escape of water from any fixed domestic water, drainage or heating installation including washing machines or dishwashers
• Impact by any motor vehicle
• Breakage or collapse of television or radio aerials, externally fixed satellite receiving dishes, their fittings and masts
• Malicious acts or vandalism
• Falling trees, lamp posts, electricity, flag and telephone poles or any parts of them
• Architect’s and surveyor’s fees, debris removal and additional costs of reinstatement as a result of local authority requirements
• Breakage of fixed glass, sanitary fittings and ceramic hobs in fixed appliances 

In addition the following cover is provided:

• Conveyance
• Property Owners’ liability (covering the insured’s liability in respect of third party bodily injury or property damage arising from ownership of the home and the land on which it is built. The limit of the liability under this section is €582,500)

A discount on the Home4Loan buildings insurance policy is applicable if this is bought together with any one of our Life Protection and Perla Plans (Perla Retirement; Perla Savings; Perla Junior).

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