Home Insurance
BestCover Insurance is a small, independent insurance broker based in Meath, serving clients across Ireland. We don’t use automated systems or chatbots. When you call, you speak to someone who knows your name, understands your concerns, and works for you, not the insurance company. We keep it simple, honest, and human.
Your home is likely your biggest financial commitment. But beyond that, it’s where you live your life. That’s why having home insurance in place gives you real peace of mind. It can help cover the cost of repairing or rebuilding your home if it’s damaged by events like fire, storms, or flooding. It can also help protect the items you keep inside – like furniture, electronics, jewellery, and other valuables – if they’re stolen or damaged.
At BestCover Insurance , we don’t sell you what you don’t need. We help you understand what matters most in your cover, explain it in plain English, and offer options that fit your needs and budget – without overcomplicating it.
What Covers Can I Get?
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Standard home insurance – buildings and contents
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Rented property cover – landlord or tenant protection
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Holiday home cover – tailored to second homes or seasonal stays
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Apartment cover – including communal areas, where relevant
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High-value item cover – for valuables like watches, artwork, or tech
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First-time buyer insurance – helping you get the right policy for your mortgage
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Policy review service – if you already have cover but want to see if it’s the right fit
Key Considerations
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Rebuild cost, not market value – don’t over- or under-insure your buildings.
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Accurate contents valuation – take time to add up what your belongings are worth.
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Excess levels – this is what you’ll pay if you make a claim. We’ll explain how this affects your premium.
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Security measures – alarms, locks, and cameras can lower your premium.
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Flood risk – we check your address and explain how insurers assess it.
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Multi-policy savings – we can explore discounts if you also insure cars or other properties with us.
What’s Usually Included in a Standard Home Insurance Policy?
Buildings Cover
This is for the structure of your home – the walls, roof, floors, doors, windows, and built-in features like fitted kitchens or bathrooms. If your house is damaged by things like fire, lightning, flood, or storm, buildings cover helps pay for the repair or rebuild.
We also help you estimate your rebuild cost accurately, which is not the same as market value. Getting this wrong is one of the most common mistakes homeowners make.
Contents Cover
This protects what’s inside the home – your furniture, electronics, appliances, clothing, and more. It covers theft, fire, water damage, and accidental damage (if selected). We’ll help you decide the right contents value, so you're not underinsured or overpaying.
Add-Ons You Can Include If Needed
We never push extras you don’t want, but here are a few optional add-ons our clients often ask about
Personal Belongings Cover
For items like phones, laptops, or jewellery when they’re taken outside the home.
Legal Expenses
To help cover costs of disputes with neighbours or service providers.
Home Emergency Cover
For urgent problems like boiler breakdowns or burst pipes.
Accidental Damage
For those ‘oops’ moments like spilling paint on the carpet or smashing a TV screen.
Tenant Or Landlord Cover
If you’re renting or letting out a property.