The Top 10 Most Common Homeowner's Insurance Claims (and How to Avoid Them)

Understanding the most common home insurance claims in the UK can help homeowners take preventive measures to protect their properties and potentially reduce insurance costs. This article outlines the top 10 claims and offers practical advice on how to avoid them.

1. Water Damage

Water damage, including incidents like burst pipes and leaks, accounts for approximately 30% of home insurance pay-outs in the UK (Lloyd & Whyte).

Prevention Tips:

• Regular Maintenance: Inspect plumbing systems periodically for signs of wear or leaks.
• Insulate Pipes: Especially in colder months, ensure pipes are adequately insulated to prevent freezing and bursting.
• Install Leak Detectors: These devices can provide early warnings of leaks, allowing for prompt action.

2. Accidental Damage

Accidental damage claims, such as spills on carpets or broken windows, constitute about 25% of home insurance claims (PCLA).

Prevention Tips:

• Use Protective Covers: Utilize tablecloths, sofa covers, and rugs to shield surfaces from spills and stains.
• Secure Fragile Items: Ensure valuables are placed in safe locations, away from edges or high-traffic areas.
• Exercise Caution During DIY Projects: Always use appropriate tools and safety equipment to minimize mishaps.

3. Weather-Related Damage

Severe weather events, including storms and floods, have led to significant increases in claims. In 2024, insurers paid out a record £1.4 billion for weather-related damages (Reuters).

Prevention Tips:

• Roof and Gutter Maintenance: Regularly clear gutters and inspect roofs for loose or damaged tiles.
• Install Flood Defences: In flood-prone areas, consider barriers or sandbags to protect property.
• Secure Outdoor Items: Anchor garden furniture and other outdoor objects to prevent them from causing damage during high winds.

4. Theft and Burglary

Theft-related claims have seen an average pay-out of £3,896 per incident (PCLA).

Prevention Tips:

• Install Security Systems: Alarm systems and motion-sensor lights can deter potential intruders.
• Use Sturdy Locks: Ensure all doors and windows have robust locks installed.
• Maintain Privacy: Avoid showcasing valuable items through windows or on social media platforms.

5. Fire Damage

Fire damage accounts for 17% of home insurance claims, with cooking accidents being a primary cause (PCLA).

Prevention Tips:

• Install Smoke Alarms: Place them on every level of your home and test them regularly.
• Practice Safe Cooking Habits: Never leave cooking unattended and keep flammable items away from heat sources.
• Regular Electrical Checks: Have a qualified electrician inspect wiring and appliances periodically.

6. Subsidence

Subsidence claims reached £60 million in the second quarter of 2024, marking the highest quarterly figure on record (ABI).

Prevention Tips:

• Tree Maintenance: Plant trees away from the property and regularly prune existing ones to prevent root-related issues.
• Monitor Cracks: Keep an eye on any new or widening cracks in walls and consult a professional if concerned.
• Maintain Proper Drainage: Ensure that water drains away from the property's foundation to prevent soil erosion.

7. Liability Claims

Liability claims arise when someone is injured on your property, and you are held responsible.

Prevention Tips:

• Maintain Walkways: Keep paths and driveways in good repair and free from hazards.
• Adequate Lighting: Ensure all areas, especially entrances, are well-lit to prevent accidents.
• Pet Management: Train pets to behave appropriately and secure them when guests are present.

8. Malicious Damage and Vandalism

Incidents of vandalism can lead to costly repairs and increased premiums.

Prevention Tips:

• Install Surveillance Cameras: Visible cameras can deter potential vandals.
• Join Neighbourhood Watch Programs: Community vigilance can help prevent malicious activities.
• Secure Property Boundaries: Maintain fences and gates to restrict unauthorized access.

9. Damage from Falling Objects

Claims resulting from falling trees or branches can be significant, especially during storms.

Prevention Tips:

• Regular Tree Inspections: Have trees near your property assessed by professionals for health and stability.
• Remove Dead Branches: Promptly trim branches that pose a risk to structures or pathways.
• Consider Tree Placement: When planting new trees, choose locations where potential falls won't impact the property.

10. Cyber Theft

With the increasing reliance on digital platforms, cyber theft has become a growing concern for homeowners.

Prevention Tips:

• Use Strong Passwords: Regularly update passwords and avoid using easily guessable information.
• Install Antivirus Software: Protect devices from malware and other cyber threats.
• Utilize a Virtual Private Network (VPN): A VPN encrypts your online activities, safeguarding personal information from potential hackers, as can be seen here.

Final Thoughts

By understanding the most common home insurance claims and taking preventive measures, homeowners can better protect their properties and avoid unnecessary expenses. Regular maintenance, awareness, and proactive steps are key to ensuring long-term security and financial stability.