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Does my home insurance cover my Christmas presents?

Published

3 years ago

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By John Healy of Healy Insurances

Christmas isn’t far away now and households will be filling up with gifts for young and not so young.

Should you review your household contents cover in advance of the festive season?

Most insurers will cover a seasonal increase for the Christmas period. This increase can range from 10% to 20% depending on the insurer's policy wording. For example Aviva, Zurich, Axa and Liberty increase the contents sum insured by 10% for the month of December whereas Allianz and RSA increase the contents by 10% for December and January. Your sum insured for contents should include food and beverages.

Your contents cover should be adequate to cover all your personal possessions in advance of the holiday season. Your calculation should include all moveable household contents, for example white goods, clothes, personal possessions and furniture.

Valuable property such as jewellery, watches, paintings, musical instruments and the like will be covered as standard under your contents cover but there will be a maximum value. Usually this maximum value is one third of the contents sum insured with a maximum set value for any one article, set or collection.

I would advise that any high value items should be added to your policy and specifically itemised under the “all risks” section. The item is then covered against loss inside and outside the home.

It is important to note that when storing gifts the amount covered will not be as high if gifts are stored in your vehicle or an outdoor shed.

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Soroptimist make €3k donation to Rockmount Care Centre

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8 hours ago

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21 April 2026

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Members of the Killarney Soroptimist Society visited the Rockmount Care Centre on Wednesday, to present a cheque for €3000 to Nurse Manager Mary Hussey.


The significant sum was raised during the society’s successful annual pancake morning held on Shrove Tuesday at the Killarney Avenue Hotel.
Rockmount Care Centre provides essential support as a dedicated day care facility for individuals living with Dementia and Alzheimer’s, serving many clients and families from the Killarney area.
These funds arrive at a vital time, as they are earmarked for the centre’s new sensory garden project, which is currently in the design phase.
Pictured at the presentation are Soroptimists members handing over the proceeds to Mary Hussey. The society extended their thanks to the Killarney Avenue Hotel and all those who supported the fundraiser to help make this donation possible.

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Public realm works begin on Main Street and Kenmare Place

Repair works for the Killarney Public Realm project officially commenced on Monday, April 20, following approval from the Department of Housing, Local Government and Heritage. This phase of the project, […]

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1 day ago

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20 April 2026

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Repair works for the Killarney Public Realm project officially commenced on Monday, April 20, following approval from the Department of Housing, Local Government and Heritage.

This phase of the project, funded by the URDF, focuses on enhancing the streetscape and accessibility of both Main Street and Kenmare Place.
To allow the appointed contractors to carry out the investment safely, a section of the R-878 on Main Street, stretching from Kenmare Place to Plunkett Street, is now closed to traffic. This first period of construction is scheduled to run from April 20 until July 3.
Recognising the importance of the tourism season, the council has confirmed the street will fully reopen from July 4 to October 4 to accommodate peak summer traffic. Following this break, works will resume for a second period starting October 5 and running until December 4.
While vehicle diversions are in place, pedestrian access to all businesses and emergency service access will be maintained throughout the construction phases. Kerry County Council stated that these works are part of a wider programme to improve the safety and quality of the town centre and has thanked the public and local business owners for their cooperation during these essential improvements.

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