Home Insurance - boundary walls

aircobra19 said:
Is it typical for Home Insurance policies to exclude cover for boundary walls.
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No - if you read the policy booklet you will find its included under buildings.

From experience however in the event of a claim arising you will find that your neighbours insurerers will usually cover 50% of claim.
 
In this case the boundary is on to a public road. The insurer claims its excluded which I was surprised at. Was wondering was it normal. I haven't read the policy booklet. Its not my policy but a family member. I'll go try get it.
 
It would be very unusual to exclude the boundary wall.
Read the description of buildings as it usually includes garages boundary walls in the wording
 
Quinn Direct specifically exclude walls in the below events - this our neighbours found out to their cost when we had a subsidence problem with our house which involved replacing the boundary wall with our neighbours ( "insured" with Quinn Direct) .... so beware ...




Subsidence, heave or landslip of the site on which the
buildings stand.
We will not cover:
a the first €750 of each claim;
b destruction or damage caused by bedding down of
any structures, faulty design, inadequate construction
of foundations, demolition, structural alteration or
structural repair;
c septic tanks, fuel tanks, terraces, swimming pools, hot
tubs, tennis courts, patios, decked areas, driveways,
footpaths, walls, fences, gates and hedges unless the
building is also damaged at the same time;
d solid floor slabs unless the foundations beneath the
outside walls are damaged at the same time; or
e loss or damage caused by the coast or river bank
wearing away.
 
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