Household Insurance
KennCo Underwriting has three quality home products, Home Choice, Home Unique & Rental Property Insurance. All three products are among the most comprehensive home insurance policies on the market offering a broad range of cover at extremely competitive prices. Our standard product is Home Choice while Home Unique allows the cost conscious consumer select a higher excess in return for a discounted premium and, Rental Property Insurance caters for private domestic dwellings which are let to either families, couples or up to 5 tenants. Home Choice, Unique & Rental Property Insurance are backed up by the superior KennCo service to assist you in meeting customer needs.
Home Choice and Home Unique are designed for:
- Owner occupied homes of standard construction
- Houses constructed since 1920
- Buildings with sums insured of between €75k and €1m in Dublin and between €75k and 650k elsewhere.
- Proposers with acceptable claims history
Features
Many features are standard. These include:
- Accidental damage cover for buildings and contents
- Fatal Injury Benefit of €10,000
- Family Legal Protection
- Loss of Keys up to €500
- Freezer Cover up to €750 per unit
- Fire Brigade Charges up to €2,000
- Contents sum insured automatically increased by 20% at Christmas
- Standard excess of €250 and €500 for escape of water claims applies to our Home Choice product. The standard excess is increased to €350 on Home Unique where the escape of water excess is €1,000. €1,500 excess applies on both Home products for subsidence claims.
Discounts
The following discounts are available:
- Where no claims have occurred
- Where a Burglar Alarm is fitted
- Where the Proposer is aged 46 years or more
- Where two or more Smoke Detectors are fitted
- Where a voluntary excess is selected (€500 or €1000)
Rental Property is designed for:
- Private domestic dwellings of standard construction which are let to either;
- Families
- Couples or;
- Up to 5 tenants and which are registered with The Private Residential Tenancies Board.
Features
Our product has many features as standard. These include;
- Cover: Fire, Perils, Theft & Subsidence
- Main Excesses applicable: Escape of water – €1,000; Subsidence €1,500; All other claims €500
- Loss of Rent up to 20% of Buildings Sum Insured
- Fire Brigade Charges – Up to €2,000 in any one period of insurance
- Trace & Access – up to €1,500 in any one period of insurance
- Loss of Keys – up to €500
- Glass & Sanitary Fittings – up to €2,000
- Contents – maximum cover in respect of any one item is 5% of the Contents sum insured or €2,500 whichever is the lesser
- Contents in domestic outbuildings and garages – up to €3,000 any one loss
- Limit of Indemnity in respect of legal liability to the public is €3,000,000
- Accidental Damage to Mains Services – up to €2,000
- Restricted cover when premises are untenanted for a period exceeding 14 days
For Policy Wording please visit our Downloads section within our Broker Centre.