Home and Contents Insurance
As we are a Tied Agent to Aviva Gerneral Insurance Company we will quote you and find you the best home and contents insurance package to suit your circumstances at the most competitive price. Brian Andrews Insurances will ensure that the policy you choose will be the one that matches all your requirements.
Buildings Cover When calculating the amount of Buildings Insurance you require, you should accurately estimate the amount you would need to rebuild the property. This is very different from insuring for market value which can be significantly higher as this includes your site value. Please check the The Society of Chartered Surveyors to get an up to date Valuation for rebuilding costs - www.scsi.ie
Contents Insurance This property insurance option covers your home contents for loss/damage incurred through causes specified in your policy e.g. theft, storm damage, fire, flood, burst pipes, smoke, subsidence. Contents cover can also include the value of freezer contents. Depending on your policy, coverage of valuables such as jewellry could be covered under a different section e.g. All Risks / Specified Items.
Accidental Damage Spilling coffee over your computer or dropping paint on the carpet can be covered by accidental damage insurance. Insurers differ on what is actually covered and in what instances, for example many will not cover clothing or delicate objects such as crystal. Most general home insurance policies include standard accidental damage but additional coverage can be arranged for both contents or buildings. Be aware of the excess applied to the cover.
Personal Belongings If you are away from your property, personal belongings coverage can insure you against loss of such items as clothing, money, credit cards and jewellry. What items are covered, after what excess and in what circumstances varies between insurance companies so make sure you are getting the best deal.