Do I Need Home Insurance for a Rented Property?

Do I Need Home Insurance for a Rented Property?

If you rent your home, you’ll still need home insurance to cover you in the event of burglary, fire or flood. Protecting your belongings is your responsibility, so read on to find out how.

If you don’t own the home you live in, this doesn’t mean you don’t need home insurance. There’s more to home insurance than the structure of your house. So, it’s important to make sure your belongings and furniture are covered as well.

In this article, we’ll answer questions like:

  • Do I need home insurance if I rent my home?
  • What does home insurance cover?
  • Will my landlord’s insurance cover damage?

Your landlord’s insurance should cover most things that can go seriously wrong with your property, but you also need to have insurance of your own.

What you’ll need to cover

As a tenant, you’ll only need contents cover. Buildings insurance is a requirement of your landlord, as they own the property and things like fixtures and fittings.

Simply put, anything you move in with is your responsibility to insure. Anything that’s already there – such as the walls, doors, taps or certain appliances – is your landlord’s.

A standard contents only home insurance policy will cover things like furniture, clothes, jewellery, electronics and other belongings. If you lose them in an unforeseeable event, your insurance will help pay for replacement or repair.

You always need to be upfront with your insurance provider about what you own. There’s no use trying to pull the wool over their eyes and convince them you own a Picasso.

Unless you do… in which case, you probably need specialist insurance. Anything very precious or which holds a great amount of sentimental value, or otherwise irreplaceable, should be insured separately for peace of mind.

On the other hand, under-insuring will give you a huge headache if something happens. If your laptop is damaged by fire and you haven’t told your insurance provider you own it, and you haven’t kept the receipt, there’s nothing to say it ever existed. This means you’ll have to pay for a new one yourself.

What’s covered by your landlord

If your house or flat was furnished when you moved in, your landlord’s insurance will cover it. But insurance does not cover everyday wear and tear. Insurance will cover damage due to an adverse event, however. This is important to consider if your landlord is trying to contest the cause of the damage with you.

Standard home insurance doesn’t cover pet damage. Your landlord would have to take out extra cover to insure against this kind of mess. If your property is pet-friendly, they should expect more than usual wear and tear. However, it is up to you to keep your pet controlled.

If your dog has a habit of chewing the door frames or your cat likes to scratch up the carpet, you need to fix it. Prevention is better than cure, so get rid of bad habits before they cost you.

In the case of fire or flood

Floods, fire and subsidence can spell disaster for houses and flats. Cleanup may take a while, and sorting out insurance needs to be one of your first priorities.

In short, damage to the building, fixtures and structure is the responsibility of your landlord. Your landlord needs to organise repairs as soon as possible if the property is not safe. Their home insurance provider may be able to provide alternative accommodation.

Broken windows and doors, smoke damage to walls and ceilings, and ruined plumbing or electrics should have nothing to do with you. On one hand, you’re free to let your landlord sort things out. On the other hand, be wary that you might need to keep the pressure on if they’re arguing who’s at fault or making a fuss.

Bear in mind, your landlord’s insurance won’t cover any of your belongings. This is why it’s important to get contents cover for your possessions. You may lose furniture, sentimental items, appliances and electronics.

Your insurance provider should pay to repair or replace what belongs to you, after they send out a loss adjuster to make sure everything’s in order.

If you have any questions regarding Tenants Home Insurance talk to us in QuoteMe.ie

If you have questions regarding tenants home insurance, why not pick up the phone and talk to our trained insurance professionals. We have been providing advice in Ireland for over 30 years. We have seen all possible scenarios and we know all the angles for different home insurance policies. We can guide you and answer all your queries. We are available for calls between 8.30am and 5.30pm each weekday on 0818 224433 or 042 9359051.

If you want to get home insurance quote online, you can use our online quote system. We compare home insurance in the Irish market from 12 insurers to get you the right cover for your situation. 

What is Covered By Emergency Cover on my Home Insurance?

Emergency cover sounds like it’s good to have. But is it essential, or even a good idea? Do you really need it? And what’s covered – and what isn’t? Read on to find out more.

In home insurance, emergency cover is for things like electrical failure, your boiler breaking down, or blocked drains. A standard home insurance policy will cover damage to your home and possessions, but emergency cover will pay for emergency repair work.

Emergency cover is a great idea for extra peace of mind. In this article we’ll cover questions such as:

  • What is emergency cover on my home insurance?
  • Why do I need home insurance emergency cover?
  • What will emergency cover pay for on my home insurance?

Emergency cover doesn’t always come as standard, so check your policy carefully. Your insurance provider will be able to tell you how much it will cost to add emergency cover to your policy.

What’s covered by emergency cover?

Emergency cover on your home insurance is for those out-of-the-blue occasions where something explodes, breaks, or otherwise goes wrong. Emergency cover may be able to help with some or all of the following, depending on your individual policy:

  • Electrical wiring failure
  • Broken windows and doors
  • Lost keys
  • Boiler breakdown
  • Central heating failure
  • Loss of hot water
  • Burst pipes
  • Blocked drains
  • Pest infestations

There is a certain amount of overlap with a standard home insurance policy, however emergency cover is more for smaller-scale issues (as opposed to flooding or house fires) that nevertheless make it impossible to stay in your home safely.

What isn’t covered?

Every policy has exclusions, and emergency home insurance cover is no different. There’s also likely to be a limit on the cost of labour and repairs, or the number of claims or call-outs accepted per year.

Also, you may not be able to make a claim during the first 14 days (or more) of your policy. Your claim may also be rejected if your property has been left unoccupied for 30 days or more, if you fail to service your boiler and something goes wrong, or other issues related to wear and tear.

If you’re concerned about any particular issue, the best idea is always to contact your provider and get them to outline exactly what you’ll be able to claim for.

What happens if I need to claim on my emergency home cover?

As soon as you notice a minor emergency in your home, ring your provider and let them know about the problem. Depending on your provider, you may be able to call any time of the day or night, or on holidays or weekends.

They’ll send out a tradesman they know and trust to help fix your issue, and this is usually at no extra cost to you. However, there will be an upper limit to how much you can spend. For instance, Allianz will cover up to €300 per incident. If it turns out to be more costly than that, you may end up paying out of pocket.

Limits are usually in place when it comes to how many times you can call: for example, AXA gives you 4 emergency callouts a year.

And don’t forget to check your policy wording carefully, as some emergency home cover will affect your no claims bonus. Many insurance providers keep it separate from your NCB, however. For example, AXA Ireland offers emergency home assistance which won’t affect your no claims bonus.

Should I get emergency home cover?

Emergency home cover gives you peace of mind in the event that something goes wrong. If you’re not confident trying to fix an issue while it’s happening, leave it to the professionals.

Plumbing problems and broken doors and windows aren’t small jobs, but at the same time they’re above novice level. Some people are happy to jump on Google and try and sort it themselves. In our opinion, if you’re anything less than a handyman or electrician yourself, emergency cover is your best option.

Your broker can help you find a great deal on emergency home cover that comes with everything you need.

If you have any questions regarding Emergency Cover talk to us in QuoteMe.ie

If you are unsure of whether you are covered for Emergency Cover or if you have any questions on whether you should take it out as extra home cover, just pick up the phone and talk to our trained insurance experts. We have been providing advice in Ireland for over 30 years. We can guide you and answer all your queries. We are available for calls between 8.30am and 5.30pm each weekday on 0818 224433 or 042 9359051.

If you want to get an immediate home insurance quote online, you can use our online quote system. We compare home insurance in the Irish market from 12 insurers to get you the right cover for your situation. 

These Are The Best Smart Security Cameras To Protect Your Home

When it comes to home security, you can’t do much better than a security camera. Last year, John Lewis interviewed ex-criminals to find out how homes could improve their safety measures. They found that security cameras were the best deterrent, even beating burglar alarms.

No would-be thief wants to be caught in the act. But with so many security cameras on the market, which one do you choose?

In this article, we’ll go over questions like:

  • What is the best security camera for my home?
  • Is a smart security camera better than a normal one?
  • How expensive are smart security cameras?

If you’re on the fence when it comes to buying options, take a look at our rundown below before you decide what security camera you need.

What is a smart security camera?

A smart security camera is a video recorder installed in your home which monitors entry points or other important areas. They can be recording 24/7, or rely on a motion detector to spot activity.

It’s worth noting here that any camera – smart or not – needs to only ever be recording your property. A neighbour may object to images of their property being recorded and could take a civil legal action if their right to privacy is infringed if your camera is recording their home or garden.

The ‘smart’ part alludes to the fact these cameras connect to your smartphone via an app. This lets you control the camera from wherever you are, and see what it sees on the go.

Smart security cameras aren’t just for the tech savvy. This technology is becoming easier to use and more widespread, meaning everyone can take advantage of better security. While you’re getting a tan in the Costa del Sol, you can check who’s at your rainy front door in Cork. Or if you’re just at work, a notification may tell you something’s wrong in an instant.

If you want to store your footage, you have a few choices. Some cameras come with subscriptions to cloud storage, meaning your footage is stored remotely. Others have memory card slots. When it comes to resolution – 1080p, 720p, etc – the bigger the number, the higher quality picture.

Read on to find out more about the latest models, and which ones will suit you.

Logitech Circle 2

This great all-rounder has night vision, a 1080p resolution for high quality images, can be placed indoors or outdoors, and works with Alexa.

It comes with clever mounting options, so you can place it on a power socket or even a window. Its rechargeable battery makes it easier to install outdoors than other models which need mains power. However, if you’re looking for a 24/7 solution you need to take into account the fact this camera will be out of action while you recharge it.

When you install the app, it will give you “day briefs” in the form of clips from throughout the day captured by its automatic motion sensor, which give you a montage-style breakdown of activity.

Perfect for: All-round software and hardware performance

Price: €259.99

Where to buy: https://www.currys.ie/ieen/smart-tech/smart-tech/smart-home/smart-home-cameras-and-cctv/logitech-circle-2-smart-home-security-camera-10170655-pdt.html

Hive View

If this isn’t your first rodeo with smart devices, you’ll know all about Hive’s excellent reputation. These guys make gold standard smart home products, and their security camera is no different.

This indoor-only video camera has night vision and 1080p resolution for a high-definition picture, and it works with Alexa and Google. You can easily combine actions with other devices: for example, turn on your house lights when the camera detects motion.

It looks stylish and minimalist, and you can tilt it up and down from the app to find the perfect vantage point. It will record automatically detected sound or motion, creating a daily archive you can view on your phone. Or, you can take a look at the live stream at any time.

When it comes to cloud storage, Hive offers 24-hour video playback for free or 30-day video playback from €3.99 per month.

Perfect for: Homes with multiple smart products

Price: €199

Where to buy: https://www.hivehome.com/ie/products/hive-view/buy

Canary Flex

As long as it’s charged, the Canary Flex works indoors or outdoors, provided it’s in range of your WiFi. You can use either mains power or a rechargeable battery to use it, giving you even more flexibility.

The Flex is one of the best looking security cameras we’ve seen. Sleek and pill-shaped, its minimalist look will appeal to discerning homeowners.

Also, it comes with a couple of nifty features, including advanced motion detection technology which can recognise human beings. This means you won’t suffer any heart attacks when your smartphone alerts you to a prowler, only to find out it’s just a cat. Plus, the app has a one-touch emergency call button, which will alert authorities if you see anything suspicious.

One slight drawback to the Canary Flex is the relatively steep monthly outlay of $9.99 (roughly €9.10) per month to access its full video playback functionality. However, we think this gorgeous piece of kit is worth the extra money.

Perfect for: Stylish homeowners

Price: Around €270

Where to buy: https://canary.is/uk/flex/

If you have any questions regarding Home Security call us in QuoteMe.ie

If you have any questions regarding how best to secure your home and how this may affect your home insurance, just pick up the phone and talk to our trained insurance experts. We have been providing advice in Ireland for over 30 years. We know all the angles. We are available for calls between 8.30am and 5.30pm each weekday on 0818 224433 or 042 9359051.

If you need a home insurance quote online, you can use our online quote system. We compare home insurance in the Irish market from 12 insurers to get you the right cover for your situation.

“Years At Current Address” – Why Do Insurers Want To Know This?

"Years At Current Address" – Why Do Insurers Want To Know This?

Home insurance companies need to know how long you’ve lived in your home to better assess any risks. How many years you’ve occupied your property could be an indicator of other factors, which may lower or raise your premiums.

Read on to find out why insurers ask this question, as well as:

  • Why does it matter to home insurers how long I’ve lived at my property?
  • Is it easier to get home insurance before I move in?
  • How does my address affect my house insurance?

Sometimes, it seems like home insurance providers want to know everything about you down to your favourite colour and second cousin’s maiden name. But insurers need to know how long you’ve lived at your address in particular, because it can indicate other factors.

Your age

If you’ve lived at your property for 25+ years and are taking out a home insurance policy, you’re unlikely to be 23 years old.

Home insurance companies want to know how old you are because some insurers discount their policies for customers aged 50 or over. As younger people are more likely to make a claim, insurance companies have researched why this is.

Generally speaking, most people settle down by this age. Kids will have grown up and flown the nest, so there’s little chance of accidental damage. Your insurance might cover you if your grandchildren knock over an expensive vase. However, your university-aged son raiding your fridge on a weekend visit, sadly, is not an insurable risk.

Your age is also a possible indicator of daytime occupancy. Insurers can guess your age from how long you’ve spent at your current address, but it won’t be accurate if you’ve downsized for retirement. This is why this info goes hand in hand with employment status and occupation.

The condition of your home

Maybe you’ve taken tender loving care of your home over the years. Or, maybe you’ve gotten used to your pipes creaking and banging during the night. It could be that you aren’t aware something’s wrong.

The longer you’ve lived in your home, the more likely it is you’ll have needed to do major structural repairs. If you’ve occupied your home for many decades, it’s likely you’ve had to replace the boiler, or entire central heating system. This is a good thing – your insurers will assume the longer you’ve lived there, the more likely the property is properly maintained.

How long you’ve lived at your address isn’t in and of itself an indicator of the age of the property. However, we know your house isn’t post-2005 if you moved in 42 years ago. This could have implications, which is why the length of your occupancy is important to determine other factors.

Previous home insurance

Home insurance is one of those things people like to “set and forget”. It’s easy to just keep it ticking over, rather than shopping around, comparing and switching policies every single year.

However, if you’ve lived at your property a long time, you may be letting too much slide. When was the last time you updated the details of your home insurance? It’s easy to forget that while your buildings cover doesn’t need to change (unless you’ve made renovations), your contents cover often will.

If you’ve bought valuables such as laptops or jewellery, and haven’t told your insurer, you won’t be covered for them if they’re destroyed or stolen. Older people tend to accumulate assets, so if you’ve lived in your house a long time as an older person, your insurer may assume you’ve built up heirlooms and sunk money into your property.

You may have more to insure than you might think if you’ve lived at your property for a long time. On an annual basis, make a note of valuables going in or out, and what this means for your cover.

Home insurance is one of those things people like to “set and forget”. It’s easy to just keep it ticking over, rather than shopping around, comparing and switching policies every single year.

However, if you’ve lived at your property a long time, you may be letting too much slide. When was the last time you updated the details of your home insurance? It’s easy to forget that while your buildings cover doesn’t need to change (unless you’ve made renovations), your contents cover often will.

If you’ve bought valuables such as laptops or jewellery, and haven’t told your insurer, you won’t be covered for them if they’re destroyed or stolen. Older people tend to accumulate assets, so if you’ve lived in your house a long time as an older person, your insurer may assume you’ve built up heirlooms and sunk money into your property.

You may have more to insure than you might think if you’ve lived at your property for a long time. On an annual basis, make a note of valuables going in or out, and what this means for your cover.

If you have any questions on your home insurance call us at QuoteMe.ie

If you are unsure about anything related to your home insurance or are just looking to clarify some points, pick up the phone and call us in QuoteMe.ie. We are experts in Home insurance. We have been providing advice in Ireland for over 30 years. As we say, We know all the angle. We are available for calls between 8.30am and 5.30pm each weekday on 0818 224433 or 042 9359051.

You can also get a home insurance quote online through our online quote system. We compare home insurance in the Irish market from 12 insurers to get you the right cover for your situation. 

Acts Of God: What Events Aren’t Covered By A Typical Home Insurance Policy?

Acts Of God: What Events Aren't Covered By A Typical Home Insurance Policy?

Roughly, an act of God is a colloquial term in old home insurance parlance which describes any event that humans cannot control, predict or prevent. Natural disasters are a good example.

As technology and health and safety improves, some home insurance policies cover acts of God, and some do not.

In this article, we’ll answer questions like:

Insurance policies no longer use the phrase “act of God”: they only describe specific events. In this article we’re talking about home insurance, but it’s important to note car insurance policies define acts of God in different ways.

  • What is an act of God?
  • Does my home insurance cover acts of God?
  • What does a standard home insurance policy not cover?

What is an act of God?

In English-speaking legal terms, an act of God is a natural hazard outside human control, such as a tsunami or earthquake, for which no person can be held responsible. An act of God may amount to an exception to liability in contracts, or it may be an “insured peril” in an insurance policy.

The term “acts of God” has become antiquated, as legal practices have become more secular. Also, we’ve come to realise more disasters than previously thought occur as a result of human intervention. For example, earthquakes caused by underwater activities, or drilling triggering volcano eruptions.

Put simply, we’re getting better at finding out whose fault it is. But this hasn’t stopped people from suing God. In 1970, Betty Penrose sought $100,000 in damages after stating God’s “negligence” allowed a lightning bolt to strike her house. When God “failed to turn up in court”, Penrose won the case by default. We wouldn’t advise these extreme measures, as God’s reluctance to enter a courtroom is never a guarantee you’re going to win.

Acts of God and home insurance

Acts of God are, by definition, rare. They are probably excluded from your insurance policy. This is because your home insurance is based on measurable risks, and an unpreventable act of God cannot reasonably be quantified.

Some acts of God will be covered under homeowners insurance, but others are not. Natural disasters are a typical example. Fires, floods and storms are beyond human control and therefore could technically fall under the God umbrella. But it all depends on the level of risk. In Ireland, standard homeowners policies cover damage due to wind, rain or hail. But they don’t generally cover damage thanks to earthquakes, volcanoes and floods.

Additionally, insurers will take into account the cause of the damage: a fire caused by poor wiring is not an act of God, but one caused by a lightning strike is.

By contrast, insurers deem extraordinary man-made or political events a force majeure. A similar term would be “unforeseen circumstances”. Examples of force majeure include energy blackouts, lockouts, and strikes.

What’s not covered by your home insurance

If you’re doing things right, you won’t be able to see a disaster coming. But this doesn’t mean they count as an act of God, or are covered by your home insurance.

Home insurance doesn’t cover anything that happens gradually, such as the result of normal wear and tear.

It also doesn’t cover oil spillage or pollution from delivery or contractors – or damage caused by any mechanically propelled vehicle, except your own lawn mower that is used exclusively for your lawn.

A coast or river wearing away over time is a natural misfortune, but also is not covered under your home insurance.

Is damage by animals an act of God?

Unfortunately, home insurance doesn’t cover damage by animals, exotic or otherwise. In Cork, it’s not very likely a polar bear will destroy your fence and step on your garden gnomes. However, it’s significantly more likely that your neighbour’s misbehaving dog digs up your prized sod.

Pet ownership means having a reasonable amount of control over your animal. If your home is damaged as a result of your pet – scratched wallpaper, for example – you will not be covered for the damage under a standard policy. If your neighbour’s dog damages your home or garden, you should hope they have third party liability insurance. Otherwise, your neighbour will have to pay out of pocket.

Of course, wild animals are still a risk. Generally, your insurance won’t cover you for rodent damage and the removal of their nests. This is because infestations and the damage that results from mice and rats are almost always a matter of home maintenance. Simply, it’s up to you to prevent pests, or fix your home if you fail to do so. This also goes for damage done by foxes, deer, rabbits, and other destructive critters.

The only way to find out for sure whether you’ve got cover? Read through your policy carefully, and if in doubt, give us a call.

Talk to us at QuoteMe.ie with any of your home questions

If you require more information on what is covered and what exactly Act of God means when it comes to your home insurance pick up the phone and talk to us at QuoteMe.ie anytime. We have been providing insurance in Ireland for over 30 years and have seen all eventualities. We are available for calls between 8.30am and 5.30pm each weekday on 0818 224433 or 042 9359051.

You can also get an immediate home insurance quote online through our online quote system. We compare home insurance in the Irish market from 12 insurers to get you the right cover for your situation.  We look forward to hearing from you soon.