Ulster bank home insurance in virtually all cases provide automatic unspecified all risk cover up to circa €6350.That means you will have the benefit of this cover, even though you did not ask for it at inception. That is the likely case with your policy and accordingly, you will have cover under the policy. Make sure that you have reported this loss to the Gardai ( this will be a policy condition). Talk to Ulster Bank Insurances tomorrow am and they will put your mind at rest.