Life can be tough on you sometimes. From time to time, things outside of your control go wrong and cause you a number of difficulties in the process, particularly when your home is involved. It’s for this reason that we have home insurance, to act as a safety net for whenever anything goes wrong.

It’s estimated that insurers pay out an average of around £7.4m per day repairing homeowners’ damaged homes and replacing their contents. However, this money isn’t distributed evenly, there are some claims that insurers often find themselves paying out for more than others.  

Here are the most common home insurance claims:


Claims for theft are one of the most common made by home insurers. Theft can often be preventable; as long as you take your security seriously and make sure that your home and all of your valuables are secured, it’s likely you won’t have to worry about thieves causing you too many problems.

Lock all of your doors, and keep your most valuable items in a safe place. There has actually been an increase in home burglaries in the past couple of years, due to travellers sharing information about their holiday and unoccupied home on social media. Therefore, you should consider waiting until you get back home before posting all of your holiday photos on Facebook.

Accidental Damage

Accidents happen, it’s just that some accidents can be more damaging than others. This is why we insure the things that we value the most, to make sure our mistakes don’t turn out to be too costly. Speaking of costly, it turns out that Brits are a particularly clumsy bunch, because accidental damage claims cost home insurers an absolute fortune every year. It is one of the most common claims made by home owners, accounting for 11% of all home insurance claims in 2016.

Weather Damage

If your home gets in the way of mother nature while she’s on the warpath, it could sustain some significant damages and you may need to claim on your home insurance. There isn’t too much you can do about preventing weather damage; you certainly can’t prevent the weather itself (unless you have supernatural powers). So, if there is any severe weather forecast to hit your home, you just need to do what you can to “batten down the hatches.”

Secure any loose items in your garden or yard if strong winds are set to come your way and ensure your home is kept at a safe temperature if temperatures are set to drop.


Although fire damage is one of the most common home insurance claims, it will reassure you to know that most of these claims aren’t made for serious damages. However, seeing any part of your home go up in flames can be a pretty terrifying sight; even the smallest fires can rapidly become serious. So, it’s important to know how to prevent and react to fires in your home.

Many fires start as a result of small mistakes, such as not turning the hob off, forgetting to clean the filters in washing machines/tumble dryers and leaving candles alight near flammable materials. Keeping on top of these things will go a long way when it comes to your home’s safety. It’s also important that you regularly check that your smoke alarm is working, because it can save both your life and your home.

Escaping Water

Water: we can’t live with (too much of) it, we can’t live without it. Although it is essential for just about every aspect of human life, water can cause real problems to your home if it reaches the wrong places.

The reason escaping water is one of the most common home insurance claims is because there are so many things that can lead to water damaging your home. It can be caused by things such as a burst pipe or a leaking appliance, which, if severe enough, can end up flooding parts of your home and damaging your possessions. A lot of these things can be out of your control, so rather than worrying too much about trying to prevent water from escaping, you should just focus on making sure you know how to react to a leak in your home.

If you notice a decrease in water pressure, a sudden increase in your water bill or in the presence of damp patches in your home, there may be a leak in your home. If you find there is a leak in your home, turn off your primary water supply to stop the leak and turn off the electricity to prevent it from causing any significant damage. After this, photograph any damages caused as a result of the leak, to act as evidence when you make your claim.

This should not be construed as advice and is for guidance only.