Your home is perhaps the most important asset you will ever own, protecting your home and your valuables against natural disaster, accidents, fire, theft and unforeseen situations is essential.
When you are accepted for a mortgage you are required to obtain home insurance, but you do not have to accept the home insurance product of the lender. Shopping around is the right way to ensure that you get the best cover that works for you and your needs.
Mortgage providers insist on the minimum of buildings insurance to protect their loan and ensure you can repay your mortgage if your home is destroyed but contents cover is a popular addition.
Home insurance is usually sold as a single policy that can include sections covering:
Buildings cover which includes: damage to the structure of your home including roofs, walls, fences, gates, drives, garages, outbuildings and immovable fittings such as kitchen units, bathrooms, built in wardrobes and other permanent fixtures such as tiled or hardwood floors.
Contents cover will protect you from loss of or damage to the contents of your home or essential items for example, kitchen appliances, carpets, furniture, curtains, antiques, external items such as gardening equipment and a certain amount of personal cash in the home.
It can even cover accidental damage to appliances, such as televisions, computer equipment, audio equipment and other valuables within your home.
Cavanagh Hooper Dolan Insurances Ltd is regulated by the Central Bank of Ireland. In the UK, Cavanagh Hooper Dolan Insurances Ltd is authorised by the Central Bank of Ireland and registered with the Financial Conduct Authority.