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Property Under Renovation

Specialised Property Team

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98% of Property Owners who are renovating their own home require Self-Build Insurance to satisfy their lender and/or to get the most suitable cover for the works

Property Under Renovation

S.A. Faughnan (Brokers) Ltd. have specialised in Property Owners insurance since 1997 having been appointed by the Irish Property Owners’ Association (IPOA – National Landlord Representative Association) to provide financially secure and willing insurance markets for their members. To date we have remained their appointed broker and have successfully and consistently provided competitive markets for landlords through financially secure A-Rated Insurers.

Our experience in the area of Property Under Renovation stems from our long standing involvement with Landlord / Property Owners Insurance and our relationships with the various interested Insurers who provide us with a willing and competitive market where your existing home / property insurer may not.

The standard cover we can provide for property under renovation is as follows;

Fire, Lightning, Aircraft & Explosion cover in respect of Buildings

Public / Property Owners’ Liability cover limit of €6,500,000

Fire Brigade Charges / Professional Fees / Debris Removal

Interested Parties noted (Bank / Receiver / Local Authority etc.)

What we can’t cover

Properties that were originally built prior to 1900
Combined Sum Insured of €750,000 for both the Existing Building rebuild Value & Cost of New Works to be completed
Properties where works have already commenced
Timber frame properties that are not externally bricked/blocked
Properties that have been previously insured for the works being completed or where previous cover has lapsed

Cover can be extended when renovations are completed and the property becomes occupied as a rented dwelling to include the full range of perils including also Loss of Rent & Accidental Damage to Buildings. Alternatively, we can arrange an annual Home Insurance policy post renovation.

We can also provide a 12 or 18 month combined Home Extension Insurance policy to include the following during the period of works;

Fire cover on the existing property / building / house
Employers Liability cover for all direct tradesmen and labourers - €13,000,000
Public Liability extended to cover the site and any visitors or trespassers thereon - €2,600,000
Contract Works cover for the ongoing works and materials on site
Own plant & tools €10,000 / Hired-in Plant €10,000

Click here to find out “Why You should insure to the correct Re-Build Value”

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