House insurance is usually sold as a single policy that includes:
Buildings insurance which covers you for damage to buildings
Contents insurance which covers you for loss of or damage to the contents of your home
All-risks cover which covers you for loss or damage to valuables (even when outside your home)
Liability insurance which covers you for injury to other people in or around your home.
There can be considerable differences between policies in terms of what they exclude and the extras included. When you buy insurance, it is important to remember that the policy offering the lowest premium is not always the best. It is essential to read the policy details first to discover what is covered before you sign up.
Buildings insurance covers anything you cannot take away with you if you move home. It usually includes:
The structure of your home such as the roof, walls, windows and doors
Permanent fittings such as tiled or hardwood floors, bathroom fittings and fitted kitchens
Some of the outbuildings such as a garden shed or a farm building and garden walls, gates and fences.
If your home is destroyed, your buildings insurance will usually pay for the cost of reinstatement or rent another home.
In the current market is important to ensure that your property is not over or under insured. For guideline what you house should be insured for , please refer to “The Society of Chartered Surveyors” website www.scs.ie
This covers the moveable objects in your home, including some flooring. It can be taken out as a separate policy from buildings insurance or combined with it. If you do not own your home, for example if you are renting, you should still think about insuring the contents of your home.
This is an optional extra under most home insurance policies and protects you against loss or theft of, or accidental damage to, personal valuables such as jewellery. All-risks cover protects your personal valuables both outside and inside the home. It will also usually cover items taken abroad for up to 60 days.
You may have to pay extra for all-risks cover, depending on your insurer. If you have to claim, your insurer may choose to either:
give you the cash value of the item or pay to repair or replace it.
There are two types of all-risks cover:
You can choose an overall value for unspecified items without having to list each one. You could ask for 5,000 unspecified items cover. Most policies have an upper limit on the value you can insure each unspecified item for.
If you have items worth more than your insurers single item limit, you should think about listing the items you want covered and their value.
The maximum mortgage available is 90%, however this should be seen as guide only and for a specific assessment on to your own circumstances, we will guide you through the process.
You must have a deposit available for the purchase price and also have available funds to cover stamp duty and legal fees.
Life insurance pays money to your spouse or dependants or a named person when you die. It pays either a lump sum or regular income if you die during the time limit set out in the policy. The cover is either whole of life or for a specific term.
Your age, health, smoker status and family medical history will affect your eligibility and the cost.
Serious illness insurance pays you a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers, this can also be referred to "critical illness cover".
It is often sold as an extra benefit on life insurance or mortgage protection policy but can also be sold as a separate policy.
Owner / Principal
Anita is in the mortgage/insurance industry since 1997 and over the years has gained a wealth of experience. In 2011 Anita established her own mortgage broker business, Anita Cambie Financial Ltd. With Anita’s in-depth knowledge of the mortgage and insurance industry the business has grown from strength to strength.
The maximum mortgage available is 90%, however this should be seen as guide only and for a specific assessment on to your own circumstances, please contact Anita Cambie Financial and we will guide you through the process.
An income protection insurance policy protects against the loss of your ability to earn money due to illness or disability .An income protection policy gives you the comfort of knowing that if your income ceases you will still have a source of income
Life insurance pays money to your spouse or dependants or a named person when you die. It pays either a lump sum or regular income if you die during the time limit set out in the policy.
Are you Irish and living abroad. Are you looking to move back to Ireland. If so Irish residents can apply and secure a mortgage for a property in Ireland without being present in Ireland.
Serious illness insurance pays you a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers, this can also be refered to "critical illness cover".
There can be considerable differences between policies in terms of what they exclude and the extras included. When you buy insurance, it is important to remember that the policy offering the lowest premium is not always the best.
A referral remains the highest compliment we can receive. If you know of someone who could benefit from our advice we would be grateful for the introduction.
Have a questions about your finances? We are happy to help. Use the contact form below and one of our team shall respond to your message.
“Anita Cambie Financial came recommended to me from the some of Waterford’s estate agents and getting her help was the best move I made as regards my first mortgage application. Anita knows her stuff inside out and there was no enquiry too big, small or unusual no matter what time of the day we spoke. She was extremely professional and down to earth throughout the whole process and talked me through everything, and anyone I’ve recommended her to have had the same experience. Cannot speak highly enough of her.“
“Anita has dealt with my mortgage for a number of years now, starting from the initial draw down, and now with switching my mortgage to a new provider. Anita was available to take the call even outside of regular working hours, explain what state the process is on in plain English, what the next steps are and most importantly, Anita dealt with lots of administrative issues in a transparent way. I have recommended Anita’s services to several of my colleagues and would warmly recommend her again without any hesitation.“
“My wife and me are absolutely delighted with Anita s service. We are really impressed with the personalised professional service and financial advice given to us. I have no hesitation in recommending Anita services to any of my friends and family“