Home Insurance for Rented Property Ireland

When looking for home insurance for rented property Ireland it is important to look beyond the monthly premiums. Take into consideration the amount of coverage offered and if it is adequate to your needs.

Rental insurance falls into two categories:

• Home insurance for the owners to cover structural loss and damages in addition to various liability insurance
• Property insurance for renters to cover belongings in the event of fire, theft, or other instances

Although these are two different types of policies they both pertain to rental properties within Ireland. Both types of rental insurance coverage are important, and neither policy should be skimped on in an attempt to save euros.

Landlords are sometimes in a precarious position; they want to earn money by collecting rental income, but in order to do that they must trust someone else to live in their homes without causing damage or neglecting needed repairs. Other considerations landlords must take into account include natural disasters and lawsuits occurring as a result of an accident on the property. To be a landlord takes fortitude, but to be a landlord without proper insurance coverage takes a brazen disregard for financial well-being.

Renters are just as vulnerable to losing valuable property as homeowners. Storms, fires, and floods do not distinguish between rental properties and owner-occupied properties. If you rent a home or flat in Ireland then you should carry adequate insurance coverage to protect you from unexpected loss. How do you know how much coverage you should purchase? Consider all your belongings within your residence, and then tally up a monetary figure for how much it would cost you to replace all those belongings. Use this amount when requesting a quote from a rental insurance provider.

Finding home insurance for rented property Ireland is not difficult, especially if you have access to Internet resources. Here is a brief listing of insurance companies offering home insurance for both owners and renters within Ireland.

• Principle First Financial Services offers homeowners insurance within Northern Ireland in addition to also offering other insurance products and financial services. Applicants can request a quote online or by calling the Principle First Financial Services office.
• Endsleigh offers both tenant's insurance and landlord's insurance in select areas of Ireland. Quotes can be requested online or over the phone.
• QuoteLine works as an insurance broker within Ireland to match applicants with the best coverage companies. Both homeowners and renters can apply for a quote online using the QuoteLine website.
• Norwich Union offers landlord insurance in most areas of Ireland in addition to other locations. Quotes can be requested online or over the phone.
• AIG is an international company offering renter's insurance to tenants in Ireland as well as other parts of the globe. Customer service representatives from this company are available online, via e-mail, or over the phone.

Various insurance exclusions can prevent you from obtaining an insurance policy at a reasonable price, and can sometimes prevent you from receiving insurance altogether. Homes which are in ill-repair, as well as homes with a history of previous insurance claims may be difficult to insure. For renters, if you have several previous claims or live in a home which site directly in a flood plain, you may have trouble finding adequate coverage.

There is a vast variety of other insurance exclusions for both renters and landlords, but not every insurer in Ireland has the same exclusions. Check with individual insurance companies if you think you may have a factor that might affect your insurability. You can find coverage for just about any home regardless of circumstances, but you will wind up paying higher premiums if you fall into exclusion categories and still request coverage.

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