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Interesting Facts of Home Insurance

Home insurance in some form has been around for nearly 350 years. Historically, Home Insurance started out by only protecting against the risk of fire. In the 18th and 19th centuries your house would have had a metal plaque called a “fire mark” hanging in a prominent place outside the house. This fire mark stated which insurance company insured the house.

Home insurance at the time was for the rich and not affordable for everybody. Each insurance company had their own fire fighters and the fire mark was to let fire fighters know who insured the house. If the fire fighters turned up and it was not insured by their compa...

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What is “All Risks” Cover?

All Risks is an optional extension of cover under your Home Insurance policy which protects you against loss or theft of, or accidental damage to, personal valuables. These could include jewellery, clothing, photographic or sports equipment to name but a few. This cover is for both inside and outside your home. It also covers you for items you take abroad for up to 60 days.

There are two types of All Risks cover:

Specified All Risks Cover

This allows you to list individual items on your policy, and specify their value. Specified items normally include jewellery, hearing aids, bicycles, cameras and other valuables. Each i...

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Securing your Holiday Home for the Winter

With the winter months approaching holiday homes across Ireland will be left unoccupied. If the correct precautions are taken you could ensure that your holiday home is protected while you are away. Here are some useful tips for protecting your holiday home during this time:

Lock up

This is probably the easiest and most obvious step on this list. While your holiday home insurance may cover the financial loss you suffer as a result of a break-in, nothing could protect you from the emotional trauma and shock suffered if your holiday home is broken into. You wouldn’t leave your permanent home unlocked so why should your ho...

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Keeping Your Home Safe While You Are on Holiday

When you leave you home, whether it is for a quick weekend getaway or a 3 month exploration, you should always take some basic safety precautions to keep your home as safe as possible. Here are some steps you should take before leaving home on any trip.

Make Your Home Appear Occupied

There are a number of ways to make your home appear occupied while you are away. One of the simplest is to leave a key with a trusted neighbour. They could make sure grass stays cut or periodically turn on and off different lights around the house. Very little says that a house is empty more than darkness. A house remaining in complete dark...

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Contents Insurance Explained

Home insurance is there to cover you for unexpected and unforeseen circumstances. When we talk about home insurance, we’re not just talking about the house itself - we’re also concerned with the items inside that make it a home, if you choose to insure them.

Contents insurance covers the items in your home as distinct from the actual building itself. With Allianz you can choose:

  • a combined policy with buildings and contents cover;
  • buildings only cover; or
  • contents only cover.

This blog post explains the ins and outs of contents insurance by answering some common questions we get in relation to this topic.

What’s covered?

Con...

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Burglary Prevention Tips

Whilst your home insurance covers the financial loss you suffer as a result of a break-in, nothing can protect you from the emotional trauma and shock suffered when a stranger ransacks your home and rummages through your belongings. However, there is a lot you can do to help prevent it from happening in the first place.

All External Doors

Fit five-lever mortice deadlocks (or their equivalent) to all external doors and you should lock these doors even if you are out for just a short time.

All Accessible Windows

A large number of break-ins occur through windows. Fit security locks to all accessible windows, i.e. those on th...

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