Ceri McMillan, Home Insurance Expert at Go.Compare, comments on the most common reasons people claim on their home insurance policies.

The comparison site's data reveals that accidental loss or damage at home is the most common reason people claim, with more than 21,500 claims lodged in 2022 - which accounts for just over a quarter (28 per cent) of all home insurance claims made. Reasons to make a claim like this could include drilling through pipes, carpet spills and other mishaps.

Escape of water is the second most common cause for a home insurance claim, also making up more than a quarter of the claims lodged in 2022 (26 per cent). A term that insurers use, escape of water is where a leak in your home causes damage. This could be due to a burst pipe, a faulty appliance or even a dripping tap.

Ceri McMillan, Home Insurance Expert at Go.Compare, said:

The number one issue homeowners claim on their insurance for is accidental loss or damage - those ‘oops’ moments like spilling wine on the carpet, drilling through a water pipe or accidentally melting the countertop with a hot pan. Other common reasons to claim include escape of water, storm damage, and experiencing theft...

It’s also really important to check the details of your home insurance policy and what exactly it covers you for, as this can vary quite a lot between insurers and between specific policies.

Full release: Claims to blame: Most common home insurance claims revealed

✉️ Rosie Johns, Front Door Communications, 02920 020360