Amethyst – Mid Net Worth Home Insurance
Flexible, high-limit home insurance designed for mid net worth clients
Amethyst is a comprehensive home insurance solution developed in response to broker demand for greater flexibility, broader cover and higher policy limits. It is suitable for both standard and non-standard risks, providing a modern alternative to traditional household policies.
Designed for properties with buildings sums insured from €200,000 and contents from €75,000, the policy includes a wide range of automatic extensions and optional covers, allowing brokers to tailor protection to individual client needs.
What the policy covers
Amethyst provides an all-risks style solution with a broad range of cover sections, including:
- Buildings and Contents on a comprehensive basis
- Fine Art and Valuables cover
- Personal Liability protection
- Legal Expenses and Identity Theft
- Home Emergency assistance
- Cyber cover automatically included
The policy is designed to respond to both everyday and more complex risks, with extended replacement provisions and high-value item protection available where required.
Key Features
- Designed for mid net worth clients with higher value homes
- Suitable for both standard and non-standard risks
- Wide range of automatic cover extensions
- Cyber cover included as standard
- Flexible underwriting approach
- A Rated insurer backing (HSB Engineering Insurance Limited)
- Worldwide cover elements included within the policy
Cyber cover included
Amethyst includes built-in cyber protection as standard, providing cover for:
- Cyber damage and system restoration
- Cyber crime including fraud, hacking and ransomware
- Online liability including data privacy and defamation
Additional support includes access to IT specialists, legal assistance and identity theft resolution services, ensuring clients are supported in the event of a cyber incident.
Important Documents - Product Summaries
A structured proposal form capturing key property, occupancy and risk details required to obtain a quotation and confirm eligibility under the Amethyst scheme.
A concise overview of the policy’s main features, cover sections, limits and key benefits, designed to support brokers in quickly understanding the scope of cover.
An overview of the cyber cover automatically included within the policy, outlining protection for cyber damage, cyber crime and online liability, along with key limits and support services.
Underwriting & Policy Documents
The full insurance contract detailing all terms, conditions, cover sections and exclusions, including buildings, contents, valuables, liabilities and cyber protection.
Acceptance Criteria
- Residential properties in Ireland that are unoccupied
- Properties undergoing renovation, sale or probate
- Risks subject to inspection and security requirements
- Building works over €25,000 must be disclosed in advance
Important Policy Conditions
As with all home insurance policies, certain conditions apply to ensure cover remains valid throughout the policy period.
Clients must ensure that buildings and contents are insured for their full replacement value and that all information provided at inception and renewal is accurate and kept up to date. Any material changes to the risk, such as renovations, changes in occupancy or security arrangements, must be notified promptly, as these may affect cover or terms. Reasonable care must be taken to maintain the property in a good state of repair and to prevent loss or damage.
Failure to comply with policy conditions or disclosure requirements may impact the validity of the policy or the outcome of any claim.
Why brokers place business with Amethyst
Amethyst provides brokers with a flexible and reliable option for placing mid net worth home insurance, particularly where standard household products may be too restrictive.
Key advantages include:
- Broad underwriting appetite for non-standard risks
- High limits and extended cover options
- Built-in cyber protection
- Suitable for higher value homes and contents
- Clear policy structure with comprehensive protection
The scheme enables brokers to confidently place a wide range of residential risks while maintaining strong levels of cover and client protection.
Specialist Underwriting Support
Work directly with experienced underwriters who understand mid net worth risks and can provide practical solutions for more complex placements.
Flexible Product Solutions
Access a portfolio of specialist home and property insurance products designed to help brokers place both standard and non-standard risks.
Trusted Industry Experience
Benefit from established underwriting expertise and strong insurer relationships, ensuring consistent service and reliable capacity.
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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Underwriting Solutions Brokers Can Trust
If you would like to arrange cover under the Amethyst scheme, contact the Dolmen Underwriting team or submit an enquiry using the form on this page.
Our team can assist with eligibility, underwriting guidance and placement support.