House Insurance

House Insurance
The Clare Champion, 17/6/10 - Download PDF

As home owners are finding out, home insurance premiums have increased this year as a result of the many home insurance claims from the massive losses from Flood and Frost claims last winter.

Insurers have increased their rates across the board. Some insurers have stopped offering rates in areas that were affected by flooding, increased their excesses and tightened up their acceptance criteria. It is vital that when getting a house insurance quote you are careful to give all details of any previous claims or you could find your insurance is null and void. This is very serious in the eyes of the insurers and could result in them refusing to do business with you in the future.

Also, if you have specific items of value ie jewellery/ valuable computer etc. make sure to include the full details of the items on your policy. While it is tempting to opt for the cheapest quote, it may often not cover you for things like the Fire Brigade Relocation Costs etc. It is advisable to get the full details of your quote and compare it to the next one up to identify what is and isn‘t covered. In other cases clients are being offered cover for investment properties under main residence home insurance, likewise claims have been refused and cover cancelled from inception by insurers.

Carey Corbett deal with over l0 main Insurers and get the most competitive quote and advise of the varying cover available to you.  This can take the pain of having to phone around different insurers and you know then exactly what you are being covered for. We also take care of Car, Investment and Commercial insurance with excellent, competitive quotes and a great service.

Finally, it is always important to ensure your house is insured. It is advisable to shop around once you get your renewal letter and to make sure you have good sufficient cover for your home or investment property.