Skip to main content
close up on a woman working on a laptop, viewing blueprints of a house. dark room The letter P for PTSB carved out in a slate of black marble

Insurance you never knew you needed

A common misconception is that once your landlord’s insured, you are too. This isn’t the case. Your landlord’s policy will not provide any cover for your personal belongings. Perfect for anyone who currently rents, Renters Insurance suits families as well as young professionals who need cover for their valuables.

While the property you’re renting isn’t yours in name, it is your home. To ensure peace of mind regarding the items that make it your home, it may be necessary to get them insured. You have probably accumulated valuable goods over the years, items that set up your home and mean a lot to you. Be it your TV, furniture or coffee machine, you want these items protected should the worst happen

Why should I have Renters Insurance?

As well as peace of mind regarding your valuables, our Renters Insurance offers you cover in the event of damage to your contents caused by an insured peril. If you’re leaving your laptop or guitar at home, you want to know you’ll be covered should the worst happen

Automatic Benefits 

  • Protection against theft
  • 33% no claims discount if you’re 3 years claims free
  • Automatic 10% increase in your cover through December and January (and the month after date of marriage)
  • No hidden fees or costs when paying by Direct Debit
  • Cash cover up to €650 for loss or theft outside the rented property, with no excess payable
  • Automatic accidental damage cover for audio and audio visual equipment (limit of €1,300)
  • Damaged fridge freezer contents following loss of power
  • If you move, your coverage moves with you. Subject to a fully completed proposal form
  • Public liability cover up to €3.175m as occupier of the premises
  • Alternative accommodation should the property become uninhabitable following damage caused by an insured loss, up to a maximum amount of 15% of the contents sum insured
  • Emergency assistance cover 24 hours a day, 365 days a year

While Renters Insurance covers your valuables in your rental space, they won’t be covered when they’re on your person outside. With two optional “All Risks” Covers  available from PTSB, you can protect your gadgets and certain personal belongings outside the home. You can cover your laptop, jewellery or golf clubs when you have them out of the home.

For full details of our Home Insurance policies, you can download our policy documents.


What does Renters Insurance cover me against?

  Included  Extra 
Escape of Water  
Storm or Flood Damage  
Fire or Smoke Damage  
Fire Brigade Charges  
Malicious Damage  
Visitors Property   
Increased Wedding time cover  
Audio and Audio Visual Equipment  
Alternative accommodation up to 15% of contents sums insured  
Accidental Damage (on contents, including gadgets)  
All Risks - Specified & Unspecified  

Please note: The above information does not reference all of the benefits, terms, conditions, limitations, exceptions and exclusions associated with the Policy. For full details of our Home & Contents Insurance policies, you can download our policy documents to ensure you understand the cover provided.

Protecting more than your home in a matter of minutes

Accidents happen. Everyone loses or damages important items when they’re in or out of the home. With our optional extra “All Risks” Cover available with our Renters Insurance policy, you can cover for items and gadgets you’d have in your everyday life. We understand that your valuables are just that - valuable. With this in mind, we provide two types of “All Risks” Cover that can be added to our Insurance policies.

Unspecified “All Risks” Cover is an umbrella-style cover that enables those who take it out to select an amount to cover their personal belongings should they lose them. It’s important to protect the items you value against loss or theft, so this cover has been designed with items such as mobile phones, glasses, handbags, etc., in mind.

The maximum combined cost of the valuables (you or any member of the household stand to lose) should give you an idea for how much you insure your belongings for. There's no need to list each item individually. There are limits applied, however, to the cover such as: €2,540 for any individual item, and bicycles up to a limit of €320 in any single period of insurance.

Specified “All Risks” Cover is a cover that enables you the option to individualise items on your policy, specifying their value. Specified items typically include tablets, smartphones and other valuables. As no excess applies to this cover, you wouldn’t have to pay the first part of any claim you may make.

Important Information

Subject to our acceptance criteria, terms and criteria apply. PTSB applies premium reductions on a reducing basis. To obtain a quote you must meet the following qualifying criteria:

  • Only 1 previous claim, up to €15,000 in the last 3 years
  • Your building must be built of brick, stone or concrete (timber frame with brick cladding ok) and roofed with slates, tiles, metal, concrete or asphalt (at least 70%)
  • You must not be located in an area of flood or subsidence. If you are in a flood or subsidence area you can visit one of our branches or call us to obtain a quote
  • Your property must be constructed of brick, stone or concrete (including timber frame with concrete brick external cladding)
  • Property must be at least 70% roofed with slates, tiles, metal, concrete or asphalt.
  • Your property cannot be a listed or graded building
  • The property is not used for any business, trade or professional purpose
  • Your property must be in a good state of repair and will be so maintained
  • Your property must be less than 125 years old

These reductions are all subject to minimum premiums, inclusive of Government levy, as follows: Buildings Cover €135; Contents Cover €105; All Risks Cover €12.60. Please note that an excess will apply. This is the first amount of any loss that you are responsible for in the event of making a claim. This amount is then deducted from the total claim settlement figure.

Permanent TSB plc trading as PTSB and PTSB Asset Finance is a Single Agency Intermediary of Allianz plc. for Home and Contents Insurance. Permanent TSB Home and Contents Insurance is underwritten by Allianz plc. Permanent TSB plc trading as PTSB and PTSB Asset Finance is regulated by the Central Bank of Ireland. Allianz plc is regulated by the Central Bank of Ireland.

Cover to suit you

As well as covering your Home and Contents, we offer insurance policies online to cover other situations too.

1. I'm a landlord

If you’re a landlord with one or more investment properties then check out our Landlord Insurance, which gives you comprehensive cover at a great price. We also offer a 20% introductory discount in year 1.

2. I'm a renter

If you’re a renter and looking to protect the items you value most, cover the contents of your rental space with our great value Renters Insurance

3. I'm an apartment owner 

If you own an apartment and the building is already covered by a block policy then check out our Contents Cover.

4. I've a holiday home

If you have a holiday home and want to insure your building as well as its contents then check out our comprehensive Buildings and Contents Cover.

Our online quote will guide you through the process to ensure you select the cover you need.

Rebuild calculator

Don’t pay any more for Home Insurance than you need to. Check out this handy calculator from our friends at the Society of Chartered Surveyors of Ireland to estimate what the building costs of your house would be and help you save on your Home Insurance premium.


If you wish to report a claim or discuss an existing claim you can call Allianz’s Claims Team on 0818 700 121. Lines are open 9am to 5pm, Monday to Friday. Or alternatively you can request a call back from Allianz.

Enhanced Customer Support

There are times in life when we are less able to cope with the everyday things – Do you require additional support?

Contents Cover

If you’re a renter or living in an apartment then our Contents Cover gives you great protection on your valuables and personal belongings at a great price.

Life Insurance

We have a range of Life Insurance options to protect your income for you and your family.

Help and Support

Need help? Our Help and Support section is full of useful information.

Back to top
Page loading
Close takeover popup
PTSB logo

Altogether more human