House Insurance Ireland – Get a Cheap House Insurance Quote
Caeva O'Callaghan | August 8th, 2018
How to Get House Insurance
The first thing you need to do with regard to house insurance is to work out the amount of coverage you require. As a result, you can avoid cover that is above your requirements or, on the contrary, make sure that all your belongings are covered.
Get a House Insurance Quote here.
Policy Excess – House Insurance
Your policy excess is an important component in how insurance companies calculate your premium. Therefore, if you are unsure get some advice.
Get advice from an insurance broker.
Talk to us about the options available by calling us on 042 9359051.
House Insurance – Cover Options
Buildings and Contents Cover
As the name suggests, this is cover for both your buildings typically covering the main building as well as domestic outbuildings, patios etc. and the contents of your home and domestic outbuildings like personal belongings, valuables and household goods.
As a result, this is the most popular type of house insurance.
Contents cover only covers the contents of your house and domestic outbuildings and not the actual buildings.
For instance, this type of cover is popular with renters.
Buildings cover only covers the domestic buildings of your property and not the contents of such buildings.
As a result, you must also take out contents cover for the contents of your domestic buildings.
House Insurance – Items and buildings that are usually not covered.
You may not be covered in certain circumstances. Therefore, if you have questions about what is and isn’t covered give us a call.
Contents Cover – Items that Typically are Not Covered
There are items that are not covered by content policies. For instance, the following are typically excluded from contents cover:
- Non-domestic buildings like sheds
- Gardening equipment
- High-value items valued above a set threshold (these require their own cover)
Circumstances that are Not Typically Covered by Buildings Insurance
Building insurance policies have exemptions that are not covered. For example, below is a list of some of the exclusions from Buildings cover.
- War and Terrorism
- Damage from an attempted break-in
- Civil unrest
As a result, you must be aware of the circumstance that your policy does not cover you.
In conclusion, if you are not sure about any points relating to home insurance, then just ask your broker. Call us on 042 9359051.
Our qualified team of advisors are happy to help.
Furthermore, you can get an instant house insurance quote online by filling out this online form.