So you have your mortgage, got the perfect house and now life is good. However should anything happen to that perfect house, we’d be devastated and not many of are lucky enough to be able to avoid the repairs or refurnish costs should the unfortunate occur.
You finally got that TV you’ve always wanted or that kitchen you’ve dreamt of or maybe you just bought your first home and there is no doubt you’d be devastated should anything happen to it. The reason many of us need house insurance is because not many of us are in a position to afford the rebuild if our home burned down or the refurbish costs if anything was destroyed during bad weather or flood.
We don’t need to say it, all of us are well aware of how temperamental Irish weather can be and how our homes can really suffer in the harsh weather , need we mention the freak storms that left loads in the dark back in July? We need to be prepared for the unexpected. For example the chances of a bush fire in Ireland are incredibly low, but an overloaded socket or a candle left lighting can have just the devastating affect on your home if left unattended.
In Ireland the top claims made are as follows:
- Accidental Damage
- Storm Damage
- Escape of Water
- Accidental Loss
As you can see the top claims are very common occurrences here in Ireland, so it is best to prepared rather than have the unfortunate happen and be left without a home or a roof above your head.
Your lender can help you sort out a mortgage, but just because they are giving you the best mortgage, that does not mean they have the best house insurance. You are well within your rights to shop around and make an informed decision especially when it comes to insuring something as important as your home.
Companies all over Ireland and even outside of it are invited to bid for your business and as a result, you get a full biased view of the market. However many can become confused or don’t know how to work the system and get the best deal to suit their needs and for this reason, Simplyinsure.ie helps bring customers and companies together to get the best deal for the customer and their needs.
Yes, it is very important that you are aware of the different types of house insurance and the kind of cover you can get. Many insure their houses for the market value, when the rebuild cost is much more expensive. You need to insure your home for the rebuild cost and not just for the market value.
We all need house insurance, but there are many types. If you want to find out more head over to our FAQ page for more information or give us a call on (1890 746 759) or use our online quote and you will receive a callback from one of our highly trained advisors.