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Holiday Home Insurance- What you need to know

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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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‘Spring into Your Best Life’ event

The Oaks Hotel in Killarney will host ‘Spring into Your Best Life’ on April 5, an event organised in association with Breast Cancer Ireland and Irish Country Magazine. The event, […]

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The Oaks Hotel in Killarney will host ‘Spring into Your Best Life’ on April 5, an event organised in association with Breast Cancer Ireland and Irish Country Magazine.

The event, running from 12:30pm to 5:30pm, aims to provide attendees with advice on beauty, wellness, fashion, health, and happiness.
Hosted by Maura Derrane and James Patrice, the event will feature speakers including fashion expert Celia Holman Lee, pharmacist Laura Dowling, wellness expert Oonagh O’Hagan, and fitness coach Orla Hopkins.
Dr. Brian Cotter from Sisu will discuss aesthetics, while Christina Foley will focus on holistic wellbeing. Life coach Ariana Dunne will also speak on personal and professional success.
The event will include a drinks reception, a gourmet lunch, beauty and fashion masterclasses, and shopping opportunities. Attendees can win prizes throughout the day. A special Mother’s Day draw will take place for those attending with their mothers or daughters.
Tickets are available for the event via: https://www.eventbrite.ie/e/your-best-life-kerry-fun-style-wellness-giveaways-breast-cancer-ireland-tickets-1021537374787?aff=oddtdtcreator

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KCC Students Receive Social Enterprise Award

Killarney Community College students Cian Walsh, Sophie Ballard, and Ella Whiteley received the Runners Up award for Social Enterprise at the Kerry County Council Annual Student Enterprise Awards. Their business, […]

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Killarney Community College students Cian Walsh, Sophie Ballard, and Ella Whiteley received the Runners Up award for Social Enterprise at the Kerry County Council Annual Student Enterprise Awards.

Their business, ‘Moods & Moments’, was recognised at the county final held at Munster Technology North Campus on Friday last (March 14).
The event saw 20 mini businesses created by secondary school students, focusing on business development, finance, marketing, and business plan presentation. Students operated their mini companies over several months, experiencing real-world entrepreneurship.
Prizes were awarded across Junior, Intermediate, and Senior levels.
Tomás Hayes, Head of Local Enterprise Office said: “I am pleased to see the level of innovation, resourcefulness, planning and development of all 20 projects in this year’s awards. This is a real-life exercise. It involves idea generation and actual trading. Profits are generated and finance is secured. It is a taste of business and all the issues involved from finding the right idea, funding the business, collecting the money, and building the team. I must commend the teachers for their efforts and the mentors for their support. The judges had a very difficult task.”

Photo: Michelle Breen Crean Photography

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