As a tenant renting either an apartment, a house, a flat, a bedsit or any other type of accommodation you need insurance. We will help you to understand the risks and get the best value insurance in Ireland, so that you have the peace of mind that comes from knowing that you are fully protected.

My Landlord has insurance. Why do I need any?

Landlord insurance relates to the actual building which the Landlord owns. It is designed to protect the property. It does not cover your contents, or your liability to others.

As an occupant, you are liable for damage caused to others. There may be visitors to your home, or they could be other tenants in the building. There may,for example, be a leak from your flat, which could damage your neighbour's property. Without proper insurance you would be liable to pay for this.

Protect your contents.

If, for example, there was a fire in the building which destroyed everything, the Landlord would be compensated for the cost of rebuilding the property. You would have to personally fund the cost of replacing all of your belongings, which you had built up over the years. Can you imagine what that would cost? Why take the risk? For a relatively small amount, you can pass the replacement costs over to the Insurers.

How do I calculate the amount of cover I need?

You need to make sure that you have included all of your contents. Go through your home, room by room. Make a list of every item in each room. Then put a realistic value on each item. You may be pleasantly surprised at the value of your belongings. Total this and there you have an amount to insure. You should review this figure at least annually.

Can I insure the improvements I have made to the property I rent?

You may have added valuable carpets, curtains, light fittings. You can include these in your insurance. They would not be covered otherwise.

What if I have to move out when repairs are being carried out?

If your home is unfit to live in while insured repairs are being carried out, make sure your policy will cover certain out of pocket expenses that are necessary.

Is my liability for damage to others covered?

Make sure that your policy covers your liability to others for accidental damage caused by you. This may be to others living in the same building or visitors to the property.

Don't scrimp on liability cover. Buy the best you can afford. If an accident happens and you are liable, you'll be glad you did.

Where can I get more information on tenant's insurance in Ireland?

Contact our qualified experts and we will be glad to help.

Telephone 1890 666 666 or +35347 62500

or click on the call me back button to start a call back request.Or

Use the quotation button above to compare. {KomentoDisable}

Unoccupied dwelling insurance in Ireland can be expensive and it may not be easy to put in place a suitable insurance policy for your unoccupied property however it is very important for you to protect your asset.

• If you have a mortgage on such a property and there is an unsettled claim event – you will still have to pay back your mortgage.
• We can arrange protection for many (but not all) unoccupied properties.
• It can cost you and the cover will be subject to terms and conditions however we will be happy to explain these terms so that you can then make an informed decision regarding your protection.
• We can advise you on steps you can take to help increase the chances of getting unoccupied property insurance in Ireland.{KomentoDisable}

If you are trying to find the balance between the best cover and the best price,

then you have come to the right place.

We deal with over 40 Irish Insurance providers, to ensure that you get your best policy.

All home owners insurance isn’t created equal.

That’s why it pays to review your cover every year to ensure your policy meets your evolving  needs. It is important to understand the different types of coverage available on the various policies.

Unfortunately when most of us think about home insurance we think about price.

Yes price is important however value is more important. Not all policies are the same and it is very important to understand the implications of excess, accidental damage and replacement cost just to mention a few. 

What are the important matters to consider in my home insurance policy?

Make sure that you get the basics right first. Then examine the essential extras.

The average house insurance policy can be broken down into two sections;

Buildings Cover and

Contents cover

In buildings cover you should look at what cover are you getting for your premium. What is the sum insured? Is it adequate?

What type of contents cover are you getting?

Is it new for old? Some policies try to keep the price down by offering indemnity only. That means you only get the value of the contents at the time of loss. You have to make up the shortfall if the cost of buying a new replacement has risen.

Are you aware that if you have made a claim on any insurance policy you must mention this when applying for your home insurance?

Legal Costs protection.

Does your policy adequately cover you for what can be a large sum, if you have to go to court to defend your rights.

If it is not sufficient you should talk to one of our qualified experts about including specialist cover for this area. It gives you peace of mind, and can cost a lot less than you think.

Review before you renew.

Renewal is a time to review not just price around, in mypremium.ie we have qualified staff waiting to help guide you through the process and we also offer excellent value for money.

At a time when property values are falling it is very important not to under insure your home. 

Yes, you might have difficulty selling your property for €200,000 but try building it for less! 

Insurance is protection for your home, you need to cover your property for the cost of re-building.

The next step.

Call us on 1890 666 666 or

click on the call me back button (above) and we will contact you at a suitable time

Or      {KomentoDisable}

Use the quote button.