If you are looking for the best value Home Insurance Quotes in Ireland, then you have come to the right place. At National Insurance we make sure that you get the best value home insurance in Ireland.
Who Needs Home Insurance?
In theory every home needs Home Insurance as it gives you the peace of mind that if anything happened to your home, the cost of rebuilding your home would be covered by your Home Insurance. In addition your Home Insurance will cover you against threats such as theft or claims for injuries from people that might have an accident in your home. If you own your home then you should most definitely have Home Insurance and if you have a mortgage then you must have Home Insurance.
What does Contents Cover on Home Insurance mean?
Contents cover is the cover that applies for the contents of your home. A great way to figure out what should be covered under your contents cover on your Home Insurance policy is to look at your contents as if you were moving home. If you can take it with you when moving it should be covered in your contents cover. So for example your kitchen table and chairs would be covered under your contents cover, but your fitted kitchen would not as it is part of the fixtures in the house and therefore would be covered under your buildings cover.
What does Buildings Cover on Home Insurance mean?
Buildings cover is the cover that applies to rebuild your home with all of the fixtures and fittings. When calculating what level of cover should be applied for your buildings cover you need to take into account the rebuilding costs, not the cost of buying or selling your home. We recommend that you visit the Society of Chartered Surveyors Ireland website to work out the rebuilding cost of your property. Alternatively one of our Home Insurance team would be delighted to guide you as to the level of buildings cover you will need on your Home Insurance.
Will my Home Insurance Cover my Personal Belongings outside the Home?
Your Personal Belongings won’t be covered outside of the home unless you take out personal possessions cover under your Home Insurance policy. Talk to our Home Insurance team to make sure that valuable personal possessions such as engagement rings are covered.
Will my Home Insurance Cover my Laptop?
Yes, your computer/laptop/tablet will be covered under your Home Insurance provided it is for personal use. If you want your laptop/computer to be insured outside of the home you will need to take out personal possessions cover under your Home Insurance policy.