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What you need to know when buying Landlord Insurance

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3 years ago

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By John Healy of Healy Insurances

If you own a residential investment property that is rented out on a long-term basis you will need specific landlord home insurance in place for your Buildings, Contents and Public Liability.

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The number of tenants may impact on the quotes given. Properties rented to local authorities would need to be specially referred with some underwriters.

Here are some tips when buying Landlord 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: Landlords contents will cover the replacement cost for the items that the landlord owns, examples would include dining tables and couches. The tenants should have their own contents policy in place to cover their own belongings.

Review: Landlord 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, number of tenants, 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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Kilcummin GAA announces return of annual Pink Night

The Ladies’ Committee of Kilcummin GAA Club has announced the return of its annual Pink Night, set to take place in The Klub Bar on Saturday, January 3. Now in […]

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13 minutes ago

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15 December 2025

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The Ladies’ Committee of Kilcummin GAA Club has announced the return of its annual Pink Night, set to take place in The Klub Bar on Saturday, January 3.

Now in its 12th year, the event will support Comfort for Chemo for the fifth year running. The evening promises both fun and fundraising for the charity.

Guests will be greeted with a Prosecco reception and chocolate-dipped strawberries to start the post-Christmas celebration.
While attendees are encouraged to wear pink, dressing up is optional, with the focus on community and support for the cause. Prizes will be awarded for Best Dressed Female and Best Dressed Male.

The event begins at 8:00pm. Entertainment will be provided by Derry and Rosie Healy followed by Barry McGrath playing late into the night.

A raffle and door prizes, kindly provided by local sponsors, will take place on the night. Committee member Kathleen Ryan said the continued support of the local sponsors is deeply appreciated.

Admission to the event is free, and all are welcome to attend the celebration.

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A winter ascent of the MacGillycuddy Reeks is always special

Killarney resident and experienced mountaineer Melissa Trant recently shared incredible photographs and her account of climbing the snow-capped MacGillycuddy Reeks, highlighting the unique experience of the mountain range during winter. […]

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13 minutes ago

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15 December 2025

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Killarney resident and experienced mountaineer Melissa Trant recently shared incredible photographs and her account of climbing the snow-capped MacGillycuddy Reeks, highlighting the unique experience of the mountain range during winter.

The MacGillycuddy Reeks at Christmas time offer a cure for whatever the heart needs, whether it is peace, relaxation, or reflection. Melissa described spending time there as magical at any point of the year, but particularly during the winter months when the mountains are covered in snow.
Climbing one of the winter routes on Carrauntoohil, Ireland’s highest mountain, requires essential safety gear, including crampons, an ice axe, and a helmet, making the experience “incredibly exciting and fun.”
Melissa said that she enjoys visiting the stunning peaks of the MacGillycuddy Reeks often because it is a place she can never get enough of. She finds that mountains make her feel alive, giving her joy, thrill, satisfaction, and peace. She added that the feeling of tranquility and calm on the mountains encompasses every ounce of her.
With Ireland’s finest and highest mountain range on our doorstep in Killarney, Melissa said she feels blessed to be able to head up whenever the mountains are calling

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