Home Insurance

As your home is the most important and largest investment you will make in your life time you should make sure that it is protected.

We can provide you with a wide choice of home insurance policies as we compare over 22 products from over 10 different insurance companies. We are happy to help and give advice on what sums insured you should opt for, whatever the type of house:

Example of buildings and contents insurance benefits:

• Buildings Cover
• Contents Cover
• All Risks Items. i.e Jewellery
• Replacement locks
• Fire brigade charges
• Cover for alternative accommodation
• Public Liability
• Glass breakage
• Accidental loss of oil
• Money and credit cards
• Entertainment equipment
• Damage to underground services
• Visitor’s and employee’s possessions

Some Helpful Hints About House Insurance

Your home should be insured for the reinstatement value and not the market value.

The building value should reflect the cost of the house itself, the garage, garden shed, fuel store and boundary walls.

Non standard valuable items should be noted individually on your policy, i.e., Jewellery. Under the All Risks Section you can cover your personal possessions for outside the home.

Discounts are available on the cost of your insurance for Smoke Alarms, Neighbourhood Watch area and also if you are over 50 years of age. Some insurers offer discounts for homes with electric heating.

In certain circumstances you can avail of an additional discount if both your House and Car Insurance is held with the same underwriter. 

Home insurance can now offer something for everyone with insurance for homeowners, tenants and landlords. Increasingly, mortgage lenders will insist that you have buildings insurance to obtain a mortgage.

Home insurance compensates you for losses to your home and your possessions inside it, so purchasing a home insurance policy provides added security for your investment. Home insurance also protects you if you're legally liable for someone's injuries on your property, as well as from financial losses caused by storms, flood, fire, theft and other events outlined in your policy.

We talk you through key elements of cover, appropriate to the type of property e.g. B&B, loss of rent, cost of alternative accommodation, tenants liability, child-minding liability, trace & access, un-occupancy terms.