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Renters insurance question

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  • 05-02-2010 7:30pm
    #1
    KTRIC
    Closed Accounts Posts: 9,463 ✭✭✭


    I have been talking to a live in landlord recently about renting a room in his house. He informed me that any of the personal items I bring to the house would not be covered by his insurance nor would I personally be covered for accidents etc whilst in the house.

    Does this strike you as odd ? I haven't shared with a live-in landlord before.

    Also is it possible for me to just insure my own contents in his house ?


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    #2
    Victor
    Registered Users Posts: 78,309 ✭✭✭✭Victor


    There are a few companies that do tenants contents only insurance, but I'm not sure about lodgers.


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    #3
    KTRIC
    Closed Accounts Posts: 9,463 ✭✭✭KTRIC


    Something I would like to add on is this guy wants the rent in cash and was offering up a rental agreement after an initial 3 month trial period.

    I'm starting to think I should run a mile.


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    #4
    stepbar
    Closed Accounts Posts: 6,123 ✭✭✭stepbar


    KTRIC wrote: »
    I have been talking to a live in landlord recently about renting a room in his house. He informed me that any of the personal items I bring to the house would not be covered by his insurance nor would I personally be covered for accidents etc whilst in the house.

    Does this strike you as odd ? I haven't shared with a live-in landlord before.

    Also is it possible for me to just insure my own contents in his house ?

    I don't have the time to read through T&C's of this policy but it may help - http://www.bankofireland.ie/personal/day_to_day/insurance/home_insurance/index.html
    KTRIC wrote: »
    Something I would like to add on is this guy wants the rent in cash and was offering up a rental agreement after an initial 3 month trial period.

    I'm starting to think I should run a mile.

    I wouldn't be so concerned with the cash aspect as long as you have a rent book and are claiming rent tax relief. You can always inform Revenue if you think something else dodgy is going on. As for a rental agreement, I don't think it hold much weight compaired to renting an apartment (I think). He still could throw you out with out much hassle (I think).

    Mind you, I too would run a mile.


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    #5
    KTRIC
    Closed Accounts Posts: 9,463 ✭✭✭KTRIC


    stepbar wrote: »
    He still could throw you out with out much hassle (I think).

    Does anyone know what rights I would have in this situation


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    #6
    Victor
    Registered Users Posts: 78,309 ✭✭✭✭Victor


    Lodgers are only entitled to reasonable notice (in either direction), although some notice period could be agreed.


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    #7
    JuliusCaesar
    Registered Users Posts: 4,882 ✭✭✭JuliusCaesar


    KTRIC wrote: »
    I have been talking to a live in landlord recently about renting a room in his house. He informed me that any of the personal items I bring to the house would not be covered by his insurance nor would I personally be covered for accidents etc whilst in the house.

    Seems a bit odd. Most house insurance covers visitors to the house falling down the stairs, so why wouldn't you be?

    and seeing house insurance covers tvs computers etc - but you do have to mention items of particular worth (like the diamond necklace you inherited) - unless you've got expensive equipment, your stuff should be covered too.


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    #8
    KTRIC
    Closed Accounts Posts: 9,463 ✭✭✭KTRIC


    JuliusCaesar wrote: »
    Seems a bit odd. Most house insurance covers visitors to the house falling down the stairs, so why wouldn't you be?

    and seeing house insurance covers tvs computers etc - but you do have to mention items of particular worth (like the diamond necklace you inherited) - unless you've got expensive equipment, your stuff should be covered too.

    My personal effects would be worth about 10 - 15k at the most.


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