House Insurance

T

teachnua

Registered User
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Hi

We are just finished our new build and i am currently looking at house insurance - i dont know where to start as this is my first time doing it! so any advise is much appreciated!

Our mortgage is 215,000 - and the house is worth in excess of €350/400k!

Thanks a mil
 
My advice would be to visit www.123.ie and try typing "free" into the promotion code area. Alternatively you can go through a broker, ie your mortgage broker if he/she are independent should give you impartial advice. One piece of advice, you should have smoke alarms in your home, upstairs and down, a minimum of 2 max of 4. But to reduce liability to yourself, do not include on your home insurance policy when speaking to a provider. This will increase your policy, probably by 30 euro a year, the advantage is - if you are unlucky enough to have a fire and the fire brigade or investigating officer discovers that your smoke alarms were not in proper working order then there is a good possibility your policy will be void.
 
Can anybody tell me if you are only with a company for say 3 months and you have a water leak do they have to pay the full amount to fix the damaged room?
I was told some companys you have to be with a while to get the full cover otherwise they only pay a % of the cover if damage happens in the first year.
 
The house needs to be insured for the rebuilding costs plus fees, site clearance etc, NOT the value of the property.
 
Mercman whos Question are you responding to?
For my Question the house has full insurance etc etc.This is water damage to a room downstairs with everything ruined. My Question was has anybody come across the situation that you have to be with a company a length of time (only 3 Months) before you get a payment or a % of a payment.
Has a company done this in the past to anybody.
I do not have Term and Con as it is not me but somebody of somebody who is asking the Question.
 
123.ie Cheapest by far. For the last four years I paid FBD in full (Dad's insurance company) with whatever price they required. This year had the TIME to actally open bill and price around. Same policy €210 cheaper.............I called into FBD office and they did not care.....Offered me a €10 reduction........
 
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