Dolmen Home Owners Insurance
Owner-occupied home insurance for brokers placing residential risks
Dolmen Home Owners is a comprehensive household insurance product designed for brokers arranging cover for owner-occupied residential properties in Ireland. The policy provides protection for buildings, contents, and personal liabilities, with optional extensions available to enhance protection for clients who require broader cover.
Underwritten by AXA Insurance dac, this product gives brokers a reliable and well-structured solution for standard residential risks, with competitive cover limits and flexible options including accidental damage and all-risks cover.
Who this product is designed for
Dolmen Home Owners is suitable for clients who occupy their property as their main residence and require cover for both the structure of their home and their belongings.
Typical placements include:
- Owner-occupied residential properties
- Standard construction homes across Ireland
- Clients seeking combined buildings and contents insurance
- Homeowners requiring liability protection and optional accidental damage cover
The policy can be tailored depending on the client’s requirements, allowing brokers to arrange buildings only, contents only, or combined cover depending on the risk.
What the policy covers
The Dolmen Home Owners policy provides protection against many of the common risks affecting residential property, including:
- Fire, smoke, lightning and explosion
- Storm, flood and weight of snow
- Escape of water or oil from heating systems
- Theft or attempted theft
- Subsidence, heave or landslip
- Malicious damage or vandalism
- Falling trees, aerials or telegraph poles
These protections apply to both buildings and contents depending on the sections selected within the policy schedule.
Important Documents
The Policy Wording outlines the full terms, conditions, cover sections, exclusions, and policy limits, helping brokers understand how the Dolmen Home Owners product operates.
The Policy IPID provides a standardised overview of the main policy features, cover sections, exclusions, and limits to help brokers quickly understand the Dolmen Home Owners product.
Buildings cover
Buildings insurance protects the physical structure of the home and associated domestic structures.
Key features include:
- Damage to buildings up to €1,250,000 sum insured
- Cover for garages, greenhouses and domestic outbuildings
- Temporary accommodation costs up to 20% of the buildings sum insured if the home cannot be lived in
- Trace and Access cover up to €750
- Fire brigade charges up to €1,000
- Accidental damage to fixed glass and sanitary ware
The policy also includes legal liability cover up to €3 million for accidents affecting members of the public or domestic employees.
Contents cover
Contents insurance protects household belongings and personal property within the home.
The policy includes cover for:
- Loss or damage to household contents (up to €350,000 sum insured)
- Theft of belongings within the home
- Replacement locks following loss or theft of keys
- Loss of oil from the domestic heating installation
- Visitors’ contents up to €1,250
- Contents temporarily stored in furniture storage facilities (up to 20% of the contents sum insured)
Valuables such as jewellery, audio equipment, artwork and musical instruments are also covered within the home subject to policy limits.
Optional covers available
Brokers can enhance the standard policy with optional extensions depending on client requirements.
Available options include:
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Accidental Damage to Buildings and Contents
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All Risks Cover for personal belongings away from the home
These options allow brokers to tailor the level of protection depending on the client’s lifestyle and property value.
Important policy considerations
As with most home insurance policies, certain conditions apply which brokers should note when arranging cover.
For example, some sections of the policy may be restricted if a property is unoccupied for more than 35 consecutive days, including theft, vandalism and escape of water cover.
Brokers should also ensure the sum insured accurately reflects the full rebuilding cost of the property and replacement value of contents, as underinsurance may affect claim settlement.
Full details of policy terms, conditions and exclusions can be found in the policy wording.
Why brokers place business with Dolmen Home Owners
Dolmen Home Owners offers brokers a reliable residential insurance solution backed by a recognised insurer and structured policy wording.
Key advantages include:
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Competitive cover limits for buildings and contents
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Liability protection up to €3 million
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Optional accidental damage and all-risks cover
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A clear and comprehensive household policy structure
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Access through Dolmen Underwriting’s broker network
The product is designed to make placing owner-occupied home insurance straightforward for brokers, while still offering the cover levels and flexibility clients expect.
Specialist Underwriting Support
Work directly with experienced underwriters who understand complex risks and provide practical solutions for brokers.
Flexible Product Solutions
Access a growing portfolio of specialist insurance products designed to help brokers place non-standard and niche risks.
Trusted Industry Experience
Benefit from decades of underwriting knowledge and strong relationships across insurers and broker partners.
Affordable Home Insurance That Doesn’t Cut Corners
Choosing the cheapest policy isn’t always the best option. At Dolmen, we look beyond the premium to find you quality home insurance that actually works when you need it. Whether you’re insuring a family home, an apartment, or a property you rent out – we’re here to find the right protection for your lifestyle and budget.
We search the market, explain your options clearly, and help you save where it makes sense – all while ensuring you’re fully covered.
Why Choose Dolmen for Your Home Insurance?
- Decades of experience in the Irish insurance market
- Independent advice and access to top Irish and UK insurers
- Personalised service with real people – not just a website
- Excellent customer support throughout your policy
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Place Smarter Faster with Dolmen
Underwriting Solutions Brokers Can Trust
If you would like to arrange cover under the Dolmen Home Owners scheme, speak with the Dolmen Underwriting team or submit an enquiry using the form on this page.
Our team will be happy to assist with eligibility, underwriting questions, and placement support.