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Buildings only insurance

  • 30-09-2011 09:33AM
    #1
    rosemalin
    Registered Users, Registered Users 2 Posts: 39 ✭


    Hi
    I'm looking for the cheapest possible quote for building only. While the house is residential, there is nothing of value inside and I don't want to cover the contents.
    Does any insurer do this?
    Cheers


Comments

  • #2
    ravima
    Registered Users, Registered Users 2 Posts: 848 ✭✭✭ravima


    all of them do


  • #3
    coylemj
    Registered Users, Registered Users 2 Posts: 26,069 ✭✭✭✭coylemj


    +1 If you own a house and rent it out unfurnished that's the kind of policy you'd have on the property i.e. building only because the tenant would insure his own furniture so I can't see why any insurance company wouldn't already be offering this type of cover.


  • #4
    NIMAN
    Registered Users, Registered Users 2 Posts: 37,166 ✭✭✭✭NIMAN


    coylemj wrote: »
    +1 If you own a house and rent it out unfurnished that's the kind of policy you'd have on the property i.e. building only because the tenant would insure his own furniture so I can't see why any insurance company wouldn't already be offering this type of cover.

    Is it not slightly different if you are a landlord?

    There's 2 possible scenario's here.

    1) You own the property and insure only the building. In that case you can just get a normal insurance quote. You may still live in it yourself.

    2) You rent out a property and only have to insure the building as the tenant will do their own contents. In that case you need to let the insurance company know that you are a landlord.

    Would this not be the case?

    I'd guess if you didn't and there was a claim then they might use the ambiguity to wriggle out of a payout.

    Be careful.


  • #5
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    NIMAN wrote: »
    Is it not slightly different if you are a landlord?

    There's 2 possible scenario's here.

    1) You own the property and insure only the building. In that case you can just get a normal insurance quote. You may still live in it yourself.

    2) You rent out a property and only have to insure the building as the tenant will do their own contents. In that case you need to let the insurance company know that you are a landlord.

    Would this not be the case?

    I'd guess if you didn't and there was a claim then they might use the ambiguity to wriggle out of a payout.

    Be careful.
    Correct. Don't forget you need liability cover for your tenants if it is let. The public liability that attaches to a standard Buildings or Buildings/Contents policy infers owner occupancy


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