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Home Insurance

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  • 09-06-2016 5:03pm
    #1
    mille100piedi
    Registered Users Posts: 396 ✭✭


    I am looking for an insurance for my property, but when I asked to the broker if I will be covered in the case of one of my tenants forget a candle and my house will burn he said that accidental accidental damage is not included. I was thinking that accidental damage was only for broken items in the house?


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    #2
    4ensic15
    Banned (with Prison Access) Posts: 4,691 ✭✭✭4ensic15


    mille100piedi wrote: »
    I am looking for an insurance for my property, but when I asked to the broker if I will be covered in the case of one of my tenants forget a candle and my house will burn he said that accidental accidental damage is not included. I was thinking that accidental damage was only for broken items in the house?
    Get another broker!


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    #3
    mille100piedi
    Registered Users Posts: 396 ✭✭mille100piedi


    4ensic15 wrote: »
    Get another broker!

    I tried several brokers, but they all say the same thing:
    The insurer will not pay if my home or any part of it is lent to any person other then a member of your household or let to tenants or occupied by paying guests.
    I was really surprised, but they say that if an accidental fire occurs because of negligence of the tenant they are not going to pay


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    #4
    Baby01032012
    Registered Users Posts: 1,622 ✭✭✭Baby01032012


    Allianz I think do accidental cover. I've recently used insuremyhouse.ie as it was the cheapest by far compared to any brokers I previously used.


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    #5
    Graham
    Moderators, Society & Culture Moderators Posts: 17,642 Mod ✭✭✭✭Graham


    I think something is getting lost in translation here, there aren't many home insurance policies that would exclude fire damage.


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    #6
    mille100piedi
    Registered Users Posts: 396 ✭✭mille100piedi


    Graham wrote: »
    I think something is getting lost in translation here, there aren't many home insurance policies that would exclude fire damage.

    English is not my first language so maybe something is getting lost in translation

    I sent an email to the broker with the question:
    In the case a paying guest or a tenant accidentally set a fire will the content of my house be insured?
    and she replied:

    Accidental damage is not included


    In the terms and condition in the booklet of the contents insurance I had for many years is written:

    The insurer will not pay accidental damage if my home or any part of it is lent to any person other then a member of your household or let to tenants or occupied by paying guests.


    If a tenant forget a frying pan with oil and my house burns he will have to pay for the damage.



    I think it makes sense because my insurance can cover what I do wrong or if there is an electrical short circuit that cause fire and nobody can predict but if there is a negligence the responsible person (or his insurance) should pay
    It is the same thing with the car, my insurance will not pay if the accident is caused by the other driver.
    I don't know what to do now, because if I had long term tenants I will include an insurance in the lease but for students that stay only a few weeks is a problem


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    #7
    Graham
    Moderators, Society & Culture Moderators Posts: 17,642 Mod ✭✭✭✭Graham


    Are you renting the entire house out to long-term tenants? If so you you should look at landlords insurance.

    If you are thinking about renting spare rooms using AirBnB (or similar) there are specific policies offered by some insurers (discussed in other threads). These may also be appropriate if you're taking in short-term lodgers.


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    #8
    Moonbeam
    Moderators, Education Moderators, Society & Culture Moderators Posts: 18,953 Mod ✭✭✭✭Moonbeam


    I buy landlords insurance....


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    #9
    Graham
    Moderators, Society & Culture Moderators Posts: 17,642 Mod ✭✭✭✭Graham


    Moonbeam wrote: »
    I buy landlords insurance....

    Some landlords policies only cover long-term lettings (6mths +) so may not be appropriate for the OP.


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    #10
    Moonbeam
    Moderators, Education Moderators, Society & Culture Moderators Posts: 18,953 Mod ✭✭✭✭Moonbeam


    or maybe he rents rooms out rather then a house.


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    #11
    mille100piedi
    Registered Users Posts: 396 ✭✭mille100piedi


    Graham wrote: »
    Some landlords policies only cover long-term lettings (6mths +) so may not be appropriate for the OP.[/QUOTE

    exactly, I just rent rooms in my own house and I might travel abroad for a few months



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    #12
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    If the house burns down it will be covered. If a tenant accidentally burns a hole in the carpet it wont be covered.


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    #13
    gmgm.cool
    Registered Users Posts: 34 ✭gmgm.cool


    What is the best home insurance for new homes (in Dublin).


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