Don’t put your home insurance at risk

Don’t risk invalidating your home insurance – here are some mistakes to avoid.

Leaving your home vacant for too long

Most insurers require you to inform them if your home will be unoccupied for more than 30 days.

Failure to declare business activities

If you work from home, notify your insurer of any business equipment and activity taking place in your home. You may need to take out additional cover.

Renovating your home without informing the insurer

Major renovations can change the value and structural integrity of your property, so your insurance may need to be updated accordingly.

Neglecting routine repairs

Claims can be rejected if properties are poorly maintained, so don’t get behind with regular maintenance tasks.

As with all insurance policies, conditions and exclusions will apply

2 January, 2025

More news

23 January, 2025

Research* indicates that homebuying affordability has slightly improved in relation to income.

In the summer of 2022, the house price to earnings ratio reached a record high of 7.24. Since then, affordability has been slowly easing; in 2024, the average house price to earnings ratio went down t

21 January, 2025

Home insurance premiums are showing signs of stabilising after a period of significant increases, ac

Premium income for home and motor insurance has been rising sharply in recent years. In 2023 the growth rate was 8.8%, but in 2024 this slowed to an estimated 7.9% and is expected to keep easing in th

16 January, 2025

House prices are expected to stay on a positive trajectory over the course of 2025*.

House prices returned to growth in 2024, with prices increasing by 1.5% in the 12 months to October – an improvement on -1.2% the year before. The average UK house price is £267,000 and is expected