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Why Is It Important To Have Home Insurance?

Stuart Insurances

05 May 2022

Why Is It Important To Have Home Insurance?

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When you buy a home, you’re making the biggest purchase that the vast majority of us will ever make. What’s more, your home is full of your most valuable assets, comforts and keepsakes. It stands to reason then that it’s something you need to protect.

No matter how many security measures you put in place to keep out intruders, the risks of theft, damage, fire and natural disasters still exists. So, you can never complete eliminate the chances of something bad happening to your home and everything in it. 

Tailored Home Insurance Is Vital 

Of course, there’s no legal need to have home insurance - even though it’s often necessary to obtain a mortgage or re-mortgage - but without it, you’re 100% liable for anything that happens to your home/belongings. Suddenly becoming homeless is no fun, but it’s easily avoided.

You’ll typically have two types of home insurance:

  • Buildings insurance - concerning the building itself, protecting against damage caused by storms, fire or floods.
  • Contents insurance - covering everything you have in your home, from your laptop to your furniture to your jewelry. 

Essentially, anything that affects the structure of your home is dealt with by your buildings insurance cover and everything in your home is covered by contents insurance. They are separate elements, but they’re two sides of same coin and it’s wise to have both in place.

The Biggest Risk is Not Having Home Insurance

Without adequate insurance, you can be left facing huge costs and the real possibility of being left homeless for an extended period. While it not be mandatory, home insurance is vital protection home owners need to safeguard their most valuable asset.

The good news is that the Stuart Insurances team can help you find the perfect policy to protect your home and everything in it. Using their considerable experience and expertise, they’ll take the time to understand your needs and recommend the ideal option. 

To speak to us about your requirements, you can call us on 01 288 1779 today. Alternatively, to find out more about us and how we do things, visit us at www.stuartinsurances.ie where you’ll also discover our full range of domestic and business insurance services.