Ireland Insurance for Stored Items 2026: Cover Explained
€300 Host Guarantee · Stripe Identity KYC · Monthly rolling
When items move off your home into storage, standard Irish home contents insurance typically does not follow. This page explains the Irish cover landscape.
1. Irish home contents insurance: items in storage
Most Irish home contents insurance policies cover items at your insured address only. Items in storage (commercial or peer-to-peer) are typically NOT covered. Some policies offer "temporary removal" cover:
| Feature | Typical limit |
|---|---|
| Duration | 30-90 days maximum |
| Value limit | 15-25% of total contents sum insured |
| Cause-of-loss | Same perils as home cover |
Check your policy wording.
2. Irish operator storage insurance
Irish self-storage operators (Big Yellow does not operate in Ireland) insure their building, not your items:
| Operator | Items insurance product | Typical cost (5 m²) |
|---|---|---|
| Nesta Storage | Customer cover add-on | €8-€25/month |
| Storage 365 | Items cover add-on | €8-€25/month |
3. Packhood Ireland items cover (included)
Every Packhood Irish booking:
- €300 Host Guarantee per booking.
No separate purchase.
4. Standard exclusions
| Excluded | Reason |
|---|---|
| Cash + bank notes | Not insurable as stored property |
| Jewellery + watches above €1,000-€5,000 | High-value specialist cover |
| Fine art above stated limit | Specialist cover |
| Motor vehicles | Separate vehicle insurance |
| Live animals | Not storage-insurable |
| Perishable goods | Not storage-insurable |
| Hazardous materials | Excluded |
| Illegal items | Excluded |
5. When to top-up beyond €25k
If stored items exceed €25,000 aggregate value:
- Specialist storage insurance from Irish insurer.
- Personal articles cover extension on home policy.
- Fine-art / classic vehicle specialist.
Packhood €25k handles ~95% of household + small-business scenarios.
6. Renter responsibilities
- Disclose value honestly on booking.
- Pack appropriately (boxed, protected).
- Don't store excluded items.
- Inventory + photograph before move-in.
- Notify within 14 days of any incident.
7. Host responsibilities
- Disclose hazards on listing.
- Reasonable security.
- Don't access items without renter consent.
- Notify Packhood of any incident.
8. Claims process
- 14-day claim window from move-out.
- Submit via Packhood disputes platform with evidence.
- 10-business-day adjudication SLA.
- Stripe escrow holds disputed amounts.
FAQ
Are my items covered by my Irish home insurance while in storage? Most home contents cover insured address only. Items in storage typically NOT covered. What does commercial-operator storage insurance cover in Ireland? Operator insures building; renter buys separate items cover €8-€25/mo. What insurance does Packhood include for Irish bookings? + €300 guarantee included. What items are excluded from typical storage insurance? Cash, jewellery/art above limit, vehicles, animals, perishables, hazardous, illegal.