Ella works for an insurance broker in Dublin and is tasked with presenting insurers with a new proposal for home insurance. As part of this task, Ella has to identify and submit key risk considerations. Every risk will be different and not all the information obtained will be relevant to every risk; however, Ella knows that the answers to key questions she asks the homeowner will provide a basis for the submission to insurers.

a. What key questions should Ella have answers to before approaching the insurer?

b. Ella’s clients had a previous experience where items stolen from their home were not covered by their previous insurer. They have asked Ella to provide a set of typical exclusions that apply to “stealing or attempted stealing” in a homeowners policy.