What is House Insurance?
Home insurance is a type of property insurance that covers private residences, buildings and the contents within them. In Ireland there is no legal obligation on a home owner to take out home insurance, but it is worth keeping in mind that if you have a mortgage your financial lender will insist that you obtain buildings insurance. Buildings insurance falls under house insurance, which is typically sold in a single policy, you will see this in the breakdown of most house insurance quotes in Ireland.
House Insurance Breakdown
Generally speaking, house insurance quotes in Ireland and the policy that is agreed between the insurer and the customer will cover the following:
1. Buildings Insurance – this covers damage to buildings.
2. Contents Insurance – this covers the loss or damage to the house contents.
3. All-Risks Cover – this covers the loss or damage to valuable items, even when they are outside your home.
4. Liability Insurance – this covers injury to other people who are in or around your house.
Why Invest in a Home Insurance Policy?
For the average person, buying a house is the biggest investment they will ever make. In the event anything should happen, the peace of mind that knowing you have a cushion to fall back on is invaluable. Natural disasters such as fires, storms and flooding can create untold damage. Burglaries and theft can result in expensive items being stolen.
Even accidental damage such as for example, spilling a bucket of paint on a new carpet, could create an unaffordable situation. Many options for extending cover for specific personal possessions can be negotiated with your insurer or by upgrading the excess on the policy. All of these can be discussed with your potential insurer when looking for home insurance quotes in Ireland.
Why Choose Us for Home Insurance Quotes in Ireland?
At Easy Life Cover we research the market in depth to find the most suitable options with the best prices for your particular requirements. We have a full list of events that are covered and those that are excluded in any home insurance quote in Ireland that we put together for you. This is available upon request.