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What you need to know when buying Landlord Insurance

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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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Diesel alternative now available in Killarney

A new, more environmentally friendly diesel alternative is now available in Killarney, with Certa’s site in the Woodlands Industrial Estate becoming the first in Kerry to dispense hydrotreated vegetable oil […]

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A new, more environmentally friendly diesel alternative is now available in Killarney, with Certa’s site in the Woodlands Industrial Estate becoming the first in Kerry to dispense hydrotreated vegetable oil (HVO).

The renewable fuel is already being used locally — including by Deros Coaches.
HVO is a low-carbon biofuel that serves as a direct replacement for traditional diesel.

Made by treating waste plant material with hydrogen, it does not release any additional carbon emissions into the atmosphere.
Compared to regular diesel, HVO emits up to 90% less CO₂ and also offers benefits such as lower NOx emissions, biodegradability, longer shelf-life, and being completely fossil-free.

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St Brigid’s principal Róisín Moore to step down

After years at the helm of St Brigid’s Secondary School, Principal Róisín Moore has announced her decision to step down, marking the end of a remarkable chapter in the school’s […]

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After years at the helm of St Brigid’s Secondary School, Principal Róisín Moore has announced her decision to step down, marking the end of a remarkable chapter in the school’s history.

In a statement issued by the school community this week, Ms Moore described the decision as deeply personal.

“This has not been an easy decision,” she said.

“But I believe the time is right for me to explore other opportunities while also giving greater attention to family responsibilities. The role of principal is a demanding one, and I have always strived to give it my full commitment.”

Ms Moore’s tenure at St. Brigid’s has been defined by vision, compassion, and a deep commitment to the values of CEIST and Catholic education. A former student of the school , she returned years later to lead the institution she credits with shaping her both personally and professionally.

“Serving as Principal of St Brigid’s has been one of the great honours of my life,” she said. “I remain deeply committed to the values of CEIST and to the mission of Catholic education. I am proud of what we have achieved together, and I leave the role with immense gratitude for the opportunity to lead the school community.”

Her leadership coincided with significant achievements, including a very positive WSE-MLL (Whole School Evaluation – Management, Leadership and Learning) report, the continued advancement of a major building project, and the fostering of what she described as “a caring and inclusive environment with high expectations at its core.”

“We have an outstanding teaching staff, a robust culture of leadership and management, and a clear sense of purpose and direction,” she added. “I have every confidence the board of management and staff will continue to bring the school forward.”

Teacher and school PRO Sheree Murphy paid tribute on behalf of staff and students.

‘It’s hard to put into words just how much Róisín has meant to St Brigid’s and to all of us who have had the privilege of working under her leadership” said Ms Murphy.

“She has been an exceptional leader, steadfast, visionary, and deeply committed to every student, staff member, and family in our school community. Her dedication has truly brought the school from strength to strength.”

“Through her guidance, I personally have grown immensely as a teacher. Her belief in professional development, collaborative leadership, and high expectations has helped shape the kind of educator I am today.”

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