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Holiday Home Insurance- What you need to know
If you own a holiday home in Ireland you will need specific holiday home insurance in place for your Buildings, Contents and Public Liability.
The use of the property will impact on the quotes given, eg family use, seasonally let out, or let out using Air BnB. It should be noted that some underwriters do not accept Air BnB use.
Here are some tips when buying Holiday Home Insurance including some cost saving tips.
Buildings – Your Property should be insured for its rebuild cost not the market value. Rebuilding costs have increased substantially over the past 12 months. There is a handy rebuilding calculator on www.scsi.ie where you can calculate your own property. Under-insurance can have serious consequences in the event of a claim so it is advisable to review annually and get professional advice from an Insurance expert.
Contents – Remember an item of contents is something that would go with you if you moved house. For example a dining table is part of contents but a fitted kitchen is part of buildings. You should value your contents for replacement value.
Review - Holiday home Insurance rates use many data streams so it is crucial to ensure that your details are correct when quoting. Important factors are your Eircode, seasonally let or family use, intruder and smoke alarms, year of construction and flat roof details if applicable.
Shopping around – When shopping around it is important to understand that direct insurers and banks will only sell their own products. They may not be able to offer you choice or advise you on your options. It is also worth noting that you are free to move your Insurance from your mortgage provider, we do this on a regular basis and succeed in securing large savings for these customers.
Use a Broker – As experts in Home Insurance we understand the market conditions and can advise which Insurer or which product is most suitable for your specific needs. Aside from understanding the discounts than can be achieved in each case we also negotiate bulk discounts from Insurers to get the best prices for our customers.
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