uninsurable
Beyond coverage limits
Uninsurable describes a person, property, or risk that insurance companies refuse to cover or cannot cover at any reasonable premium.
Someone with a severe pre-existing condition may be deemed uninsurable by health insurers, and properties in flood zones or earthquake-prone areas often become uninsurable through standard policies.
The house was uninsurable after three claims in two years.
The designation effectively locks people or assets out of the risk-pooling system entirely.
Refused or disavowed
- ineligibleNot meeting requirements
- rejectedRefused or turned away
- disqualifiedDeclared unfit to compete
- barredBlocked from entry
precluded · declined · nonrenewable · lapsed · cancelled · redlined · blacklisted · underwriting
Already in existence
- chronicPersisting over time
- terminalAt the endpoint
- incurableCannot be healed
- hereditaryPassed through generations
congenital · genetic · progressive · debilitating · disabling · lifelong · inoperable · untreatable
Causing complete destruction
- unquantifiableCannot be numerically expressed
- unforeseeableImpossible to anticipate
- incalculableBeyond numerical determination
- force majeureExtraordinary event excusing performance
act of God · flood zone · earthquake · nuclear · terrorism · war · pandemic · systemic
Preventing through excess
- unaffordableToo costly to buy
- exorbitantUnreasonably high, as costs
- premiumAdded cost for better
- deductibleOut-of-pocket threshold amount
ruinous · bankrupting · out-of-pocket · surcharge · loading · risk pool · last resort
Civil court proceeding
- negligenceFailure to exercise care
- malpracticeHarmful professional negligence
- damagesCompensation for injury
- tortActionable civil harm
culpability · breach · litigation · settlement · indemnity · compensation · restitution · claims
denied
Refused or disavowed
- ineligibleNot meeting requirements
- rejectedRefused or turned away
- disqualifiedDeclared unfit to compete
barred · precluded · declined · nonrenewable · lapsed · cancelled · redlined · blacklisted · underwriting · moratorium
preexisting
Already in existence
hereditary · congenital · genetic · progressive · debilitating · disabling · lifelong · inoperable · untreatable · severe
catastrophic
Causing complete destruction
- unquantifiableCannot be numerically expressed
- unforeseeableImpossible to anticipate
- incalculableBeyond numerical determination
force majeure · act of God · flood zone · earthquake · nuclear · terrorism · war · pandemic · systemic · correlated
prohibitive
Preventing through excess
- unaffordableToo costly to buy
- exorbitantUnreasonably high, as costs
- premiumAdded cost for better
deductible · ruinous · bankrupting · out-of-pocket · surcharge · loading · risk pool · last resort
lawsuit
Civil court proceeding
- negligenceFailure to exercise care
- malpracticeHarmful professional negligence
- damagesCompensation for injury
tort · culpability · breach · litigation · settlement · indemnity · compensation · restitution · claims · exposure
uninsurableinsurable
Eligible for coverage
insured · covered · bondable · acceptable risk · coverable
uninsurablelow-risk
Minimal potential for harm
safe bet · minimal risk · acceptable risk · prime · secure
ensure, insure, insurance, reassure, assurance, assure, ensured, insured, sureness