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House Insurance

  • 04-07-2015 7:34pm
    #1
    Happy Monday
    Registered Users, Registered Users 2 Posts: 1,216 ✭✭✭


    Renting house for the first time.

    I have no house insurance at all at the moment.

    Could I disclose this to the tenants and get some type of signed waiver from them to live in the house without cover?

    All answers appreciated. :)


Comments

  • #2
    ted1
    Registered Users, Registered Users 2 Posts: 24,111 ✭✭✭✭ted1


    Happy Monday wrote: »
    Renting house for the first time.

    I have no house insurance at all at the moment.

    Could I disclose this to the tenants and get some type of signed waiver from them to live in the house without cover?

    All answers appreciated. :)

    Waivers are not worth the paper that there writing on. Get insurance .


  • #3
    the_syco
    Registered Users, Registered Users 2 Posts: 37,315 ✭✭✭✭the_syco


    Happy Monday wrote: »
    Renting house for the first time.

    I have no house insurance at all at the moment.
    They feck up the house, you're down one house.


  • #4
    handlemaster
    Registered Users, Registered Users 2 Posts: 6,003 ✭✭✭handlemaster


    OP. You not having house insurance is no business of your tenants. It makes no difference to them. They insure there own property.

    Get house insurance would be my advise .


  • #5
    Gumbo
    Moderators, Society & Culture Moderators Posts: 41,586 Mod ✭✭✭✭Gumbo


    Happy Monday wrote: »
    Renting house for the first time.

    I have no house insurance at all at the moment.

    Could I disclose this to the tenants and get some type of signed waiver from them to live in the house without cover?

    All answers appreciated. :)

    Of course you can.
    But when they burn the house down, you have nothing to fall back on.

    Get buildings insurance, let the tenants get contents insurance.
    My landlord insurance is less than €300 on a 3 bed in Dublin City.


  • #6
    MouseTail
    Registered Users, Registered Users 2 Posts: 1,663 ✭✭✭MouseTail


    You would be stone mad not to get some insurance, even just public liability. The risk is just too great.


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  • #7
    Millem
    Registered Users, Registered Users 2 Posts: 7,729 ✭✭✭Millem


    Oh gosh I would 100% get insurance. I found fbd the cheapest for us (owner occupiers). Would your insurance not be tax deductible as a landlord?
    Seriously though I will never forget a few years ago of those townhouses that went on fire in Terenure/Rathgar. A lot of them are rented. The literally fire spread from one house to the next.


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