House Insurance

funkey_monkey

Hi,

Can anyone on here recommend me an insurance provider who can quote me for building cover for a property which is rented here in Northern Ireland?

My initial quote for Building Only cover for a detached bungalow was £200 (rebuild value £130,000).

Thanks.

tommie

Try Tescos

ballyblack

I presume your a landlord?

For rental property I use this firm on the Internet, very competitive

http://www.discountlandlord.co.uk/


.

saverbuyer

funkey_monkey wrote: »

Hi,

Can anyone on here recommend me an insurance provider who can quote me for building cover for a property which is rented here in Northern Ireland?

My initial quote for Building Only cover for a detached bungalow was £200 (rebuild value £130,000).

Thanks.

Do you mean you rent it or you are the landlord? If it's as the LL £200 a year really isn't too bad.

funkey_monkey

saverbuyer wrote: »

Do you mean you rent it or you are the landlord? If it's as the LL £200 a year really isn't too bad.

I'm the landlord.

funkey_monkey

I've just got a quote from Finsbury Insurance for £138. Has anyone heard of them? I got their quote by going through GoCompare which passes rentals out to a site called simplybusiness.co.uk.

Does anyone know of them - they do seem to be much cheaper than everyone else, which can be a bad sign...

saverbuyer

funkey_monkey wrote: »

I've just got a quote from Finsbury Insurance for £138. Has anyone heard of them? I got their quote by going through GoCompare which passes rentals out to a site called simplybusiness.co.uk.

Does anyone know of them - they do seem to be much cheaper than everyone else, which can be a bad sign...

Look at your level of cover and compare that to similar. Who are the underwriters?

funkey_monkey

Level of cover is similar to the other quotes. Underwriters are Aviva.
Excess: £250
Public Liability: £2,000,000
Building Cover: £130,000
Accidental Damage: Yes
Loss of Rent: 20%
Legal Expenses: No

saverbuyer

funkey_monkey wrote: »

Level of cover is similar to the other quotes. Underwriters are Aviva.
Excess: £250
Public Liability: £2,000,000
Building Cover: £130,000
Accidental Damage: Yes
Loss of Rent: 20%
Legal Expenses: No

After last year’s winter (burst pipes) I would probably look to loss of rent. Legal won’t be an issue as long as you have it on your residential. Seriously everyone should have this on their building insurance.

It's not a bad quote. Ring Aviva direct and see what they offer.

funkey_monkey

Loss of rent is not an issue as I rent to a relative whom I trust.

thetope

i use zurich, never had to claim though. Think last year was about £170? I have landlord insurance with imited contents cover too as I rent furnished