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Escape of water is the claim that ruins a house
It is the most frequent large home claim in many markets, and much of the damage is decided by how fast the water is found.
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Buildings, contents, accidental damage and the claims that get refused.
21 articles · updated August 11, 2026 · page 1 of 2
Home & Contents
Home cover: the difference between buildings and contents
One insures the structure, the other insures what falls out if you turned the house upside down. The gap between them is where claims fail.
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The average clause: how underinsurance shrinks a small claim
If your sum insured is short by a third, an insurer may cut a claim by a third — including a claim for a fraction of the total.
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New for old, or indemnity with wear and tear deducted
Two settlements for the same stolen jacket can differ by most of its value, and the difference is one phrase in the schedule.
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Accidental damage cover buys you clumsiness, not carelessness
The add-on that pays for a foot through the ceiling has a boundary, and the boundary is whether the damage was sudden and…
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Subsidence claims move slowly for a structural reason
A crack does not tell an engineer whether the ground is still moving. Monitoring takes seasons, and that is why these claims take…
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Theft claims and the words forcible and violent
Many policies only pay for theft where entry or exit involved force. A thief walking through an unlocked door can fall outside that.
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Working from home changes what you must tell your insurer
Home policies are written for domestic use. Clients through the door, stock in the spare room and business equipment all sit…
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Flood cover, flood zoning and the pools that make it available
Flood is the peril where private insurance most often stops working on its own, which is why several countries have built shared…
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Matching sets and pairs: the half-replaced kitchen problem
When one tile, one worktop or one earring is destroyed, an insurer owes you the damaged part, not a matching whole.
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Sheds, fences and gates: what outbuildings actually means
The garden is where home cover thins out. Fences, gates and hedges are excluded from storm damage in a great many wordings.
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Home emergency and legal expenses: what the add-ons really do
Two of the most-sold policy extras solve narrower problems than their names suggest, and both are worth understanding before…