Revealed: The Most Common Home Insurance Claims

Home insurance

No, it’s not elephants ruining your house, we just liked the picture!

Did you know that having buildings insurance is a legal requirement for properties with a mortgage?

Most homeowners also opt for contents insurance to provide complete cover for extra peace of mind.

Buildings and contents insurance offers protection for your home if it’s damaged as a result of an insured event such as; fires, floods, accidental damage and theft.

You need to make sure that your buildings and contents insurance is in place for when you exchange contracts (or at completion stage for new build properties) on your new home, as that’s when you become the legal owner of the property.

We’ve had a look at the most common claims for home insurance policies.

Accidental damage

Some people are naturally clumsy… and that’s ok!


However, if you wanted to help eliminate some potential accidents try and keep valuables and high end items out of reach from children and pets and if you’re going to do a spot of DIY then make sure you’ve researched the steps fully or spend a little extra to get a professional tradesman in.

Accidental damage is usually sold as an additional feature, but every quote our General Insurance Team provide includes accidental damage as standard.

Escape of water

We found out from several insurers that the average escape of water pay out during 2016 was £1,519!

So make sure your boiler is serviced frequently and that any leaking or dripping taps are fixed immediately. It may also be worth checking where your internal valve is located so you can turn the water supply off if needed as no one wants swimming furniture!


You could upgrade your security system and check all windows and doors are closed and locked before leaving the house.

And for extra security you could check out our blog post where we share some of our top tips for keeping your home safe whilst you’re off on your holibobs!

Our award winning, in-house General Insurance Team can compare home insurance quotes on your behalf and sort all the dreaded paperwork.

We only ever recommend providers that are 5* Defaqto rated as we want you to be in the best possible hands should you ever need to make a claim!

Give us a call on 01934 520 777 or get in touch online to get started.

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Here at Key Solutions we believe taking out a mortgage should be easy. Why shouldn’t it? So when people say buying a home or getting a mortgage is one of the most stressful things ever, we say, come and speak to us.

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No, it’s not elephants ruining your house, we just liked the picture!