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Landlords House Insurance

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  • 21-10-2008 10:50am
    #1
    coco06
    Registered Users Posts: 465 ✭✭


    Hi
    If a property is burgled and items are stolen is it possible for the tennants to claim through the landlords house insurance or would they have to have had tenants insurance?

    Thanks.


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    #2
    astrofool
    Registered Users Posts: 16,541 ✭✭✭✭astrofool


    The landlord can't insure items he doesn't own (or this could be open to all sorts of abuse), it is up to the tenants to have their own insurance.


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    #3
    Paulw
    Moderators, Society & Culture Moderators Posts: 13,381 Mod ✭✭✭✭Paulw


    You need to get your own insurance. The landlord's insurance would only cover his contents. Many landlords only have property insurance and not contents insurance.


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    #4
    um7y1h83ge06nx
    Closed Accounts Posts: 5,029 ✭✭✭um7y1h83ge06nx


    It all boils down to a fundamental thing in insurance called insurable interest.

    And the main way (only way?) to have an insurable interest in to own whatever you want to insure.

    Tenants content insurance is pretty cheap, about €50. When I was renting I had a few high value items in the house so I took out the insurance.

    Now I own a house and rent out some rooms. I always make the tenants aware that their items are not insured under the house insurance.


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