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Home insurance question

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  • 04-02-2011 2:32pm
    #1
    Casey_81
    Registered Users Posts: 246 ✭✭


    Hi,

    I am filling out my home insurance forms and am a bit confised by one of the questions
    "Is the private house regularly left unoccupied as a result of you or members of your household working?" - does this mean - do you ever leave the house? or are you regurlary away for long periods?

    Thanks


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    #2
    liger
    Registered Users Posts: 756 ✭✭✭liger


    Casey_81 wrote: »
    Hi,

    I am filling out my home insurance forms and am a bit confised by one of the questions
    "Is the private house regularly left unoccupied as a result of you or members of your household working?" - does this mean - do you ever leave the house? or are you regurlary away for long periods?

    Thanks

    They mean will the house be empty 12hours a day while your commutting to work, earning your money and travelling home. Or is there going to be someone there for part of the day, like kids home from school while your still in work.

    An empty house is a higher risk for robbery, damage being done etc.


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    #3
    variety
    Registered Users Posts: 152 ✭✭variety


    Liger is correct. Most people would have the answer this question as "yes". However, in most cases this will not increase the premium.


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    #4
    Casey_81
    Registered Users Posts: 246 ✭✭Casey_81


    Thanks for clarifying that for me.


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    #5
    TwoShedsJackson
    Closed Accounts Posts: 9,438 ✭✭✭TwoShedsJackson


    You most likely know this but just in case: for the value of your house, put in the rebuilding cost and not what you bought it for, or what you think it might sell for now.

    Lots of people have been way over-insuring their houses on this front and paying a correspondingly higher premium as a result.


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