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House Insurance: Valuation needed?

  • 16-01-2022 8:40pm
    #1
    OU812
    Registered Users, Registered Users 2 Posts: 6,075 ✭✭✭


    Hi,

    In the past year we've done a huge amount of work to our home, converted the attic, put on a front & rear extension, triple glazing, rewired & (mostly) replastered & garden/social area done.

    House is currently insured for €200k building & €50k contents.

    Insurance renewal is coming up & obviously, it would cost more should anything happen, to replace it.

    Do I need to get the house valued to see how much it's worth (if we were to sell), or can I just add on €100k for the new additions & €10k for contents & have photos & receipts to back it up?

    If both our & our neighbours were to go on sale together, outs would obviously carry a premium at sale, but I don't know if that carries through to insurance.

    Tagged:


Comments

  • #2
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 83,576 ✭✭✭✭Atlantic Dawn
    M


    No it's the rebuild cost you are after, not the current sale price. It wouldn't cost €100k extra to rebuild your house from scratch with the new configuration if it was all done as a single job. Measure the total area of the home and then go to SCSI website to get the rebuild cost...

    https://scsi.ie/consumer/build/house-rebuild-calculator/



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