| Data shows that it’s not always major incidents that lead to claims – everyday mishaps account for nearly a third | Flood risk is becoming a growing concern, even for newer properties. Understanding flood exposure is vital | Regular cover reviews can help ensure you remain properly protected – whether your home is new or old |
The home insurance landscape continues to evolve, with everyday risks, environmental factors and property type all playing an increasing role in shaping both claims and premiums.
Everyday accidents are driving more claims
Recent data1 shows that it’s not always major incidents that lead to claims. Everyday mishaps now account for nearly a third (32%) of home insurance claims. Spills, dropped items and DIY blunders all play a part, with the average claim value rising significantly in recent years – from £1,148 in 2022 to £1,869 in 2026.
It’s worth asking: does your policy include accidental damage cover?
Flood risk is rising in new-build homes
Flood risk is becoming a growing concern, even for newer properties. One in nine (11%) homes built between 2022 and 2024 are already located in areas at medium or high risk of flooding. Projections suggest that up to 15% of these homes could face significant flood risk by 2050.
For homeowners and buyers alike, understanding a property’s flood exposure is more important than ever.
Period homes: character can come at a cost
While period properties remain highly desirable, they can be significantly more expensive to insure. Premiums can be more than double those of modern homes, due to older materials, ageing systems and higher repair costs.
It’s also worth noting that the specialist materials and tradespeople often required for repairs can increase rebuild costs, adding further pressure to premium costs.
What this means for you
Regularly reviewing your cover can help ensure you remain properly protected.
1Aviva 2026
