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.
