Life Assurance
Home Brokers is delighted to be appointed by Zurich Life Assurance (formerly Eagle Star), Friends First , Canada Life and Aviva for the provision of life and serious illness guaranteed term protection, mortgage protection and specialist insurance products.
For an immediate life assurance quotation email us or call 0818 333 602 to speak to an advisor.
Income Protection
Income Protection is a form of disability or sickness insurance that gives you more control of your financial security. You pay a monthly premium determined by your age, occupation, and health status and the insurer covers you with a regular income for the duration of your illness, injury or disability until you return to work, or until your selected ceasing age.
For an immediate life assurance quotation email us or call 0818 333 602 to speak to an advisor.
Domestic Property Owners Insurance
Unique cover features include:
- Malicious damage by tenant
- Theft by tenant
- Actual loss of rent benefit
- 90 days unoccupancy
- Re-letting fees
- Alternative Tenant Accomodation
For an immediate life assurance quotation email us or call 0818 333 602 to speak to an advisor.
Rent Guarantee Insurance
Covers up to 12 months rent in the event a tenant defaults and refuses to vacate the property. Legal advice and expenses up to €25000.00 also included.
For an immediate life assurance quotation email us or call 0818 333 602 to speak to an advisor.
Insurance for Buildings in the Course of Construction
Download our guide
Unoccupied Property Insurance
If you have never had to deal with having a vacant property you may be unaware of the difficulty you can then face trying to get a realistic quotation to insure it. Many insurers will not even provide insurance cover for an unoccupied building, and therefore specialist products are required to ensure you get the maximum amount of cover at a realistic price. Common reasons why a property may now be vacant:
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The previous owner may have died and the property is now up for sale so that the proceeds are added to the estate. It is the responsibility of the executors to ensure that there is unoccupied property insurance on the empty house in place.
- The building may have just been purchased by a new landlord who has not yet found a tenant for the property and is empty - in this case the property may become occupied after a few weeks - or remain vacant for a longer period. There is a need for unoccupied property insurance until the new tenant moves in.
- The property may be just unoccupied between tenancies when the current insurance expires and the current insurance company does not wish to insure the property.
- The property may need renovation before becoming suitable for a tenant - in this case the unoccupied property insurers may need details of the type of renovation and the estimated period before quoting.
Home Brokers Commercial Insurance Broker Heritage Insurance Group has insurance providers who specialise in insurance for empty houses, shops and other commercial premises and can therefore take the hassle out of searching for a suitable policy at a a reasonable rate.
Contact Heritage Insurance Group today on 01 899 7108 or log on to the website at www.hig.ie
