Home Insurance

The cost of home insurance has increased dramatically in the past few years, accelerating past the price of your motor insurance in many instances. The reasons for this are several, not least of which is the amount of valuables which most people have accumulated over the years and the actual costs involved in reinstatement should you suffer a loss.

It is important to shop around for the best deal, but equally to ensure you do not compromise on the quality of cover you obtain

For example all home policies provide “new for old” or reinstatement covers, but some restrict this extension to property, such as carpets, below certain maximum age.

Other policies may impose strict conditions regarding security and may not pay out if you are burgled and have forgotten to turn on your alarm.

All of our homeowner’s policies provide you with protection for your home and its contents. For example, your homeowners policy will cover the dwelling and attached structures, outdoor swimming pool, bicycles, garden machinery, computers, jewellery, furs, silverware, stamps and coins… just to name a few.

Other covers can be added to any of our homeowners, tenants or apartment block residents’ policies, such as:

* Boats & Outboard Motors

* Antiques and Fine Arts Cover on an Agreed Value basis.

* Food freezer contents

* Television and Satellite Dishes

* Bicycles

* Cameras

* Mobile ‘phones

* High value homes

* Rental & Holiday Homes

* Contact lenses

* Firearms Liability for Shotgun Owners

* Furs

* Hearing aids

* Jewellery

* Musical instruments

* Gold and Silverware

* Stamp Collections

* Sewer backup

* Fine art and antiques

* Home based business

There are a number of factors which can reduce your property premium. Our service as an Insurance Broker is to make the best possible match based on your needs and your particular circumstances. Discounts that are available include:

* Mature Homeowners Discounts

* Security Discounts

* Alarm Discounts

* New Home Discounts

* None Smoking Rates

* No Claims Discount

With the number of choices and options available it is worth your while discussing your requirements with the Personal Insurance team, at Kindlon Insurances!