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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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Centra Muckross Road supports Kerry Stars with bottle return donation

Centra Muckross Road supports Kerry Stars with bottle return donation

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Sheahan’s Centra on the Muckross Road has made a significant donation to the Kerry Stars Special Olympics Sports Club using proceeds from unclaimed deposits at the shop’s bottle return machine.


Aisling Sheahan and the team at the Muckross Road store presented the cheque to members of the club this week. The funds were generated through the return scheme located at the front of the shop, where customers have the option to donate their return vouchers to local causes.
The donation comes at a busy time for the Kerry Stars, who have returned to training this week following the Easter break. The club provides a wide range of sporting outlets for children and adults with intellectual disabilities, including athletics, therapeutic horse riding, basketball, and soccer.
Preparation is also underway for the Special Olympics Ireland Summer Games, which take place in Dublin this June. Four athletes have been selected to represent the Kerry Stars at the national event.
The club is currently open to new members across most of its disciplines, though a long waiting list remains for Friday evening swimming sessions as the group continues its search for a qualified swim coach in Killarney. Training will continue until the summer break in May before resuming again in September.
Those interested in joining the club or inquiring about the coaching vacancy can contact Kerry Stars at kerrystars63@gmail.com or by calling 087 2365664.

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Soroptimist make €3k donation to Rockmount Care Centre

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Members of the Killarney Soroptimist Society visited the Rockmount Care Centre on Wednesday, to present a cheque for €3000 to Nurse Manager Mary Hussey.


The significant sum was raised during the society’s successful annual pancake morning held on Shrove Tuesday at the Killarney Avenue Hotel.
Rockmount Care Centre provides essential support as a dedicated day care facility for individuals living with Dementia and Alzheimer’s, serving many clients and families from the Killarney area.
These funds arrive at a vital time, as they are earmarked for the centre’s new sensory garden project, which is currently in the design phase.
Pictured at the presentation are Soroptimists members handing over the proceeds to Mary Hussey. The society extended their thanks to the Killarney Avenue Hotel and all those who supported the fundraiser to help make this donation possible.

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