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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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Retiring Garda Sergeant began career in Killarney

Antoinette Cunningham who retired last week from An Garda Síochána and the Association of Garda Sergeant’s and Inspector’s as their General Secretary started her career 33 years ago in Killarney. […]

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Antoinette Cunningham who retired last week from An Garda Síochána and the Association of Garda Sergeant’s and Inspector’s as their General Secretary started her career 33 years ago in Killarney.

Sergeant In charge at Killarney Garda Station Dermot O’Connell paid tribute to her achievements and her unrelenting commitment to improving the policing environment.

As a former Chairman, Secretary and delegate of the Kerry Branch, Sergeant Dermot O’Connell worked closely with Antoinette in AGSI for many years.

“Her support for members of the Association was second to none. Antoinette always pursued what was right and just. Her ability, knowledge and professionalism was acknowledged both internally and externally by other representative bodies and also professional bodies,” he said.

“When Antoinette arrived here at her first station, the late Jack McGrath was the Sergeant In Charge.”
“As many know Sergeant Jack McGrath frequently walked the beat. During this time Jack shared much of his experience with Antoinette who proved her ability as a competent Garda to Sergeant Jack McGrath. “
“Jack was very impressed by her ability even at that early stage, he always spoke highly of Antoinette and followed her career path with great interest.”

Antoinette subsequently transferred to Limerick (Roxboro Road and Mayorstone Garda Stations). As a Sergeant she moved to the Garda College and completed a Master’s Degree in Adult Learning and a BA in Training and Education.
In 2021 Antoinette was honoured by University Galway with an Alumni Award for her significant contribution in the field of policing.

She became the first female member to serve with the Association of Sergeants and Inspectors at Branch level, National Executive level, President, Deputy General Secretary and finally General Secretary.

“On behalf of the Kerry Branch of AGSI I wish Antoinette the very best in whatever the future holds for her and her family,” added Sergeant O’Connell.

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‘The Bumblebee1000’ Supercar event arriving in Killarney on Saturday

The ‘Bumblebee1000’ supercar run will arrive in Killarney around 5pm on Saturday. Around 40 supercars will leave Barberstown Castle in County Kildare on Saturday morning.After stops at Portlaoise Plaza (11am) […]

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The ‘Bumblebee1000’ supercar run will arrive in Killarney around 5pm on Saturday.

Around 40 supercars will leave Barberstown Castle in County Kildare on Saturday morning.
After stops at Portlaoise Plaza (11am) and Cashel Palace Hotel (1pm) the convoy will arrive the Europe Hotel and Resort at 5pm.
“’The Bumblebee1000’ is not just about horsepower and adrenaline rushes; it’s about making a difference. As participants roar through the countryside, they’ll also be driving towards a noble cause. This event is dedicated to raising awareness and funds for The Little Blues Heroes charity, supporting the children of the Little Blue Heroes, and making a positive impact on their lives,” said an event spokesperson.
“The Bumblebee1000” is not just a journey; it’s an experience that blends luxury, adventure, and philanthropy in a seamless fusion. Whether behind the wheel of a sleek supercar or a supporter cheering from the sidelines, everyone is invited to be part of this remarkable event.
The cars will depart the Europe Hotel and Resort at 10am on Sunday and will stop off at a charity cars and coffee event in Tarbert at 11am before finishing in Adare at around 2pm.

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