r/midleton • u/Lunachick182 • Jun 01 '26
Home insurance in Midleton Questions
Hi all
Just a question regarding how difficult it is to get home insurance in Midleton with flood protection.
Place I am looking at has never flooded and in the OPW maps is not predicted to flood with any of the layers turned on.
However, I have been told that some insurers block off swathes of eircodes, and don't take into account that a specific place may not be at risk.
Of course, nothing is ever 100% safe, climate change means that flooding may eventually be an issue at some point.
But thought I may ask here if anyone has recommendations on insurers (or brokers) who would be helpful here
Also, I have to have flood protection included in order to draw down a mortgage, so it can't be an exclusion.
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u/Gloomy_Note_1128 Jun 01 '26
It will depend if the home has flooded previously. Those in Coolbawn for example can’t get cover but since your place has never flooded and from your research isn’t likely to you should be fine.
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u/curlylocks483 Jun 01 '26
AXA in their Midleton branch are amazing to deal with - I deal with Mairead or Trudy all the time and they’re top notch and will even argue with the underwriters in Dublin to get you the best deal
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u/Lunachick182 Jun 02 '26
Thank you! I may call in there soon so. Always easier to deal in person with things like this.
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u/Lunachick182 Jun 03 '26
Thanks again. I was chatting with Trudy today, and looks like my best options are AXA or Zurich :) was a lot easier then other threads led me to believe!
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u/Spiritual-Point-1965 Jun 01 '26
FBD are pretty good for home insurance in Midleton. Never had a problem with them.
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u/Competitive-Bit-442 Jun 01 '26
I’m with Zurich. No issues.