You should be insured for the cost of replacing every single item in your house in the case of a serious fire - furniture , clothes , electrical goods, jewellery etc. It all adds up
You should be insured for the cost of replacing every single item in your house in the case of a serious fire - furniture , clothes , electrical goods, jewellery etc. It all adds upI am surprised at some of the contents valuations. Tv and other white goods would surely be bulk of what needs to be covered. Would they really be north of 50k ?
Furniture? Clothes? A decent suite of furniture could be few grand, friend got new couch lately 4k, fantastic mind you and huge 3 sided thing but nevertheless! Dining set/beds/blinds/curtains. In fact I think 50k is low for most houses unless maybe a rented one with basic furnishings. I have a really cheap tv, 300 quid years ago but these days some of them are unbelieveable prices too.I am surprised at some of the contents valuations. Tv and other white goods would surely be bulk of what needs to be covered. Would they really be north of 50k ?
+1, if you walked around your house room by room and added up the cost of replacing everything I think you'd be surprised at the figure you end up with. I've mine at €90K which is the max that Aviva will allow me due to my alarm not been up to modern standards and reckon I'm probably underinsured by 10 to 20%You should be insured for the cost of replacing every single item in your house in the case of a serious fire - furniture , clothes , electrical goods, jewellery etc. It all adds up
I have a turn on my stairs. The carpet thread on 3 steps has worn. It looks ugly. Unfortunately there is not enough carpet to "turn" so we are living with it. We have a wide hall stairs and landing. I cannot see myself paying over €5k to replace this carpet just because 3 steps are worn.But here's the thing if I was unlucky to have the house burn down to the ground I doubt very much at this stage in life that I'd replace half of what would have been lost, I would probably pair back everything to just the bare minimum of the things/items I use
The risk here is if you are unfortunate enough to have a fire, the assessor might decide that you are under-insured and reduce the payout accordingly.Curtains could do with replacing. We will live with them.
Our contents are insured for €50k.
Their assumption being that size would have been factored in already.this was applied to all existing policies without any individual atttibutes being applied i.e. size of house.
From speaking to the agent, it seems not! They know the amount of bedrooms, roof coverage but not the size! Once I realigned with the cost of rebuild calculator, the price returned to the same price as last year so no increase in cost with the same specified items and contents.Their assumption being that size would have been factored in already.
So when you took out insurance with them first you didn't specify what the rebuild value was?From speaking to the agent, it seems not! They know the amount of bedrooms, roof coverage but not the size! Once I realigned with the cost of rebuild calculator, the price returned to the same price as last year so no increase in cost with the same specified items and contents.
Anyone had any dealings with Ornella brokers Wexford They are quite competitive but I have never heard of them before !House insurance is up for renewal shortly - €615K rebuild costs ( more than the value of the house) , €70K contents, 1 specified item at €4k, Accidental Cover included , Voluntary Excess €500 and initial renewal was €615 with Avivia...
Over last few days, being getting online quotes:
Anpost / FBD / Zurich - all around €630 -> €650
AIG - €1213.58 ( yes, I checked & checked again!)
AXA won't quote me online ( nothing personal I assume!)
Aviva €481 (new customer quote)
Have other insurance with Aviva and with Zurich (cars) - otherwise quote details are like for like across the different companies & all online only.
I have.Anyone had any dealings with Ornella brokers Wexford They are quite competitive but I have never heard of them before !
Good luck if you ever need to claim!https://www.kennco.ie/ have just beaten all my car and house quotes! Massive difference in quotes.
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