There may be a number of problems that you may encounter when applying for house insurance. The majority of house insurance policies cover theft and damage caused by severe weather conditions, fire, crashes or explosions. However, there may be certain things that you will not be covered for and there are a number of reasons why some homeowners are refused buildings insurance.
One of the main reasons why you may be refused house insurance is if you leave your home unoccupied for long periods of time. This length of time may vary depending on which insurance company you have opted for, but it is usually no less than thirty days.
Although the majority of house insurance companies cover damage caused by floods or other severe weather conditions, you may be refused house insurance if you live in an area that is susceptible to these conditions, as damage is likely to occur more often. Those that experience this problem may wish to contact organisations that deal with flood or fire problems in order to ensure that their home and contents will be protected should one of these problems occur. Alternatively, you could opt for specialist home and contents insurance.
You could also be refused house insurance if you or someone living in your household has a criminal record. Home insurance companies can also refuse insurance if you are currently living with someone who is not a family member or a partner.
In order to avoid problems with house insurance, it is advisable to read through policies carefully to check what you and will not be entitled to. There may be some companies that offer coverage for things that other companies refuse to, so be sure to shop around and compare companies so that you can find a policy that will ensure that your home and contents will be protected.