One thing that every home needs is home insurance cover, whether it is your own home, or an investment property, you need to be protect yourself against the unexpected. That is why ZINC Financial has invested time and effort into finding the right products in the market, at the best price in the market.

So why not take the first step and pick up the phone and call ZINC Financial on 1890 570 570

Why Choose ZINC Financial Home Insurance?

ZINC Financial has access to a full range of home insurance providers, with the aim of providing the best products in the market, with the most competitively priced premiums. Our aim is to ensure consistently low premiums, beating the quotes of other brokers and insurance companies.

What Types of Home Insurance Cover is Available?

Building Insurance Cover will cover the structure of your home and walls, any outbuildings or garages, and all permanent fixtures and fittings in the event of the following occurrence:

·  Fire, Lightning, Explosion, Storm, Flood & Snow

·  Falling trees, telegraph poles and lamp posts

·  Theft, attempted theft and malicious damage

·  Subsidence

·  Escape of Water & Oil  

Contents Insurance Cover will cover your household goods, personal possessions and valuables in the event of accidental damage, theft or loss.

The above can be taken out, separately, or can be combined together into one policy. Contents Insurance Cover is ideal for apartment owners, and Building Cover is ideal for landlords.

How Much Cover Should I Take Out?

Buildings Cover

You should cover your property for the reinstatement value of the property. This is the value based on the costs of a total loss in construction, i.e. the house has been totally destroyed and has to be demolished and totally rebuilt. As well as demolition and reconstruction costs, the reinstatement value should allow for Building Surveyors/ Architects/ Quantity Surveyors fees and VAT.

Contents Cover

Before taking out cover, examine your possessions, and assess an accurate value of all your items in the event of total loss. Contents cover will only cover items that can be taken with you if you sold your house and does not cover items like kitchens, bathroom fittings etc.

What Other Benefits Are Included?

• Indexed Linking - Your insurance cover is automatically index linked to ensure your level of cover keeps up with inflation.
• Alternative accommodation if your home cannot be lived in following a loss
• Fire Brigade charges, up to €3,175
• Replacement of locks, up to €320
• Ruined freezer food, up to €510
• Optional extras
  • Pedal cycles, sports equipment and caravans
  • All risks for specified and unspecified items offers you extra protection against accidental loss or damage, for those personal possessions which you may take outside your home e.g. jewellery, camera, musical instruments.