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Home insurance in flooding risk area?

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  • 28-07-2017 2:15pm
    #1
    jayjay2010
    Registered Users Posts: 505 ✭✭✭


    Do any of the insurance companies give home insurance for properties in flood risk areas? I have rang at least 5 different companies and none will insure a particular property which is less than 200 meters away from a canal.

    How are people living close to lakes/rivers/canals get home insurance???


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    #2
    listermint
    Registered Users Posts: 33,970 ✭✭✭✭listermint


    jayjay2010 wrote: »
    Do any of the insurance companies give home insurance for properties in flood risk areas? I have rang at least 5 different companies and none will insure a particular property which is less than 200 meters away from a canal.

    How are people living close to lakes/rivers/canals get home insurance???

    They arent.


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    #3
    jayjay2010
    Registered Users Posts: 505 ✭✭✭jayjay2010


    listermint wrote: »
    jayjay2010 wrote: »
    Do any of the insurance companies give home insurance for properties in flood risk areas? I have rang at least 5 different companies and none will insure a particular property which is less than 200 meters away from a canal.

    How are people living close to lakes/rivers/canals get home insurance???

    They arent.

    ...I thought having home insurance was a requirement for a loan to be secured against the property/mortgage, so everybody who owns property near a lake/canal/river all own their properties outright or are living with no home insurance whatsoever? I doubt that


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    #4
    derekbro
    Registered Users Posts: 154 ✭✭derekbro


    jayjay2010 wrote: »
    ...I thought having home insurance was a requirement for a loan to be secured against the property/mortgage, so everybody who owns property near a lake/canal/river all own their properties outright or are living with no home insurance whatsoever? I doubt that

    Have you tried any insurance brokers? If there's anything that makes the insurance non standard the main insurance companies will not quote but an insurance broker may be able to get you one.


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    #5
    catrionanic
    Registered Users Posts: 2,091 ✭✭✭catrionanic


    We are within 100m of the grand canal in Dublin and got insurance this week with RSA.


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    #6
    Feckofff
    Registered Users Posts: 116 ✭✭Feckofff


    You could ask the vendor or the neighbours.

    Also check your flood risk map, I would be surprised if your property is not marked as high risk.


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    #7
    The_Conductor
    Moderators, Society & Culture Moderators Posts: 32,285 Mod ✭✭✭✭The_Conductor


    listermint wrote: »
    They arent.

    30m from the river Liffey here- on a hill- can't get building insurance.
    Thats life.........


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    #8
    Riskymove
    Registered Users Posts: 10,888 ✭✭✭✭Riskymove


    is it possible to get insurance (ie fire and other issues) without flooding insurance


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