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Policy information

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Can you get home insurance cover?

There are a couple of factors that might prevent you from getting home insurance cover. For example, we can’t insure you if:

 

  • You’ve ever had insurance refused, or had special terms imposed on it
  • You’ve been convicted of or received a police caution for any criminal offences, or indeed if you have prosecutions or police enquiries pending
  • Your property has had subsidence, landslip or structural damage, or is showing signs of movement
  • Your home has experienced or is exposed to flooding
  • Your home is not self-contained and doesn’t have its own separately lockable front door
  • Your home sits empty for more than 60 consecutive days
  • Your home is used for business purposes other than clerical purposes
  • Your home is undergoing renovation or construction work
  • Your home is a listed building

It’s important to be honest when getting a home insurance quote otherwise you may run into problems if you ever need to make a claim.

These are general points we consider when giving a home insurance quote. All our home insurance cover and premiums are decided on a case by case basis.

 
 

Zurich Insurance plc is authorised by the Irish Financial Regulator and subject to limited regulation by the Financial Services Authority. Details about the extent of our regulation by the Financial Services Authority are available from us on request.