In property insurance, insurability is determined by factors such as:
- The condition of the property (e.g., roof age, structural issues)
- The property's location and exposure to natural disasters
- The policyholder’s or property’s claim history
- Presence of high-risk features (e.g., trampolines, unfenced pools)
- Compliance with underwriting and inspection requirements
If a property is considered uninsurable, it means insurers view it as too high-risk to cover—either entirely or without significant restrictions or premium increases.
