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Denied - 15 Reasons Why Carriers Say No

Shopping for home insurance is an incredibly confusing experience for most people. You might not even be able to get quotes if your home has certain unloved or risky features. Insurance companies can be picky when choosing which houses they will insure. Here are the top 15 reasons you might be denied coverage on your home insurance:

  1. Flat roof
     
  2. No roof updates in last 15 years
     
  3. Own a dangerous dog breed - typically include Akita, Alaskan Malamute, American Staffordshire Terrier, Chow, Dalmatian, Doberman, Pinscher, Husky, Pit Bull, Presa Canario, Rottweiler, Staffordshire Bull Terrier, Wolf Hybrids. These dogs represent about 1/3 of all liability claims on home insurance policies and cost close to $45,000 per claim.
     
  4. Swimming pool with a diving board or slide
     
  5. Trampoline without a safety net
     
  6. Home older than 90 years
     
  7. Knob and tube wiring -- homes built before 1960
     
  8. Underground oil tanks on the property
     
  9. Woodburning stove
     
  10.   Coastal home with hurricane exposure -- check your risk exposure
     
  11.   Unrepaired damages to roof or structure
     
  12.   Home is vacant or only occupied six months of the year
     
  13.   No nearby fire departments or fire hydrants
     
  14.   Prior claims history
     
  15.   No prior insurance on the property

That is a lot of reasons for the insurance company to deny coverage! No worries. Even if your home checks one of these boxes, there are still many insurance companies that will offer home insurance on your house.

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Shopping tips from a home insurance professional

  • Keep your roof, wiring, heating, and plumbing up to date.
     
  • Be clear about any of these features when you apply for insurance, so you don't waste time getting quotes and then having your coverage canceled/denied at the inspection.
     
  • Shop with the help of a home insurance expert.

At your service,
Young Alfred