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Tenant insurance - conversions in listed buildings

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  • 26-11-2008 7:44pm
    #1
    shoegirl
    Registered Users Posts: 2,018 ✭✭✭


    I'm shopping around for tenant insurance at the moment and having great difficulty in getting a quote for a pre 1900 building, never mind a converted listed building.

    123 have refused me unfortunately, is anybody aware of any insurers who will (reasonably) insure a working tenant in a rented pre 1900 converted flat?
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    #2
    Fud Duddy
    Closed Accounts Posts: 30 ✭Fud Duddy


    Try Hibernian, the McCarthy Insurance Group should give you a quote, they use Hibernian as far as I know. Your not a pyromaniac of course. Worth a phone call anyway. You may need to install window locks etc, they sometimes demand you have an alarm system installed, eircom phonewatch or something. Good luck.


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    #3
    shoegirl
    Registered Users Posts: 2,018 ✭✭✭shoegirl


    Unfortunately they don't insure pre-1900 properties, which pretty much eliminates me.

    I did find out of a couple of specialist insurerers who deal with listed buildings, but they only deal with owner occupiers/landlords and won't quote tenants!

    Its rather disturbing to realise that there much be tens of thousands of tenants of converted properties out there who can't get any kind of home insurance. I am going to see if Threshold have any suggestions.


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    #4
    Fud Duddy
    Closed Accounts Posts: 30 ✭Fud Duddy


    Hey shoegirl, is it the property or the contents you need to insure. If you are renting the building or part of it, is it not the owner/landlord that should have a public liability. Isn't half of city centre Cork (pre 1900) rented out in flats or offices. Surly most of these buildings are insured. Maybe go and speak with the renters or owners of a listed building. I bet it costs way more. Insurance companies have rubber necks and brass balls from my experience.


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    #5
    Catari Jaguar
    Registered Users Posts: 6,649 ✭✭✭Catari Jaguar


    I'm renting a flat in a Georgian house. I got insured by Permanent TSB. I had to fill in an extra form because the house was built before 1900. It just asked about roofing, electricals, pipes, insulations etc. I asked the agency to help me fill it in.


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    #6
    Mrs OBumble
    Registered Users Posts: 25,802 ✭✭✭✭Mrs OBumble


    Lil Kitten wrote: »
    I'm renting a flat in a Georgian house. I got insured by Permanent TSB. I had to fill in an extra form because the house was built before 1900. It just asked about roofing, electricals, pipes, insulations etc. I asked the agency to help me fill it in.

    Similar situation: "medieval period" building (was three, been knocked into one and massively re-configured!) ... with Allianz, just had to do the extra form.

    Some of the web-sites won't give quotes for per 1900 buidlings, so you have to ring up and ask.


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