HomeRisks.co.uk
Understand the risks. Protect your home.

Would You Be Covered If Something Went Wrong?

Well-maintained British home

Would You Be Covered If Something Went Wrong?

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Start with the problem, not the policy

HomeRisks.co.uk looks at the things that can damage an ordinary UK home and the practical steps that may stop them becoming expensive.

Insurance comes later. Once you understand the risk and have dealt with sensible maintenance, you can make a more informed decision about the protection you want to buy.

Browse by household risk

Water, Leaks and Drainage RisksLeaks can begin in pipes, appliances, roofs or drains, and the visible damage is not always close to the source.Weather Risks Around the HomeWind, flood, frost, lightning and dry weather expose different weaknesses in a property.Fire Risks in and Around the HomeDomestic fire risk is best reduced through safe habits, well-maintained equipment and working alarms.Burglary, Theft and Security RisksSecurity is mostly about removing easy opportunities and protecting the possessions that matter most.Structural and Building RisksCracks, movement and masonry defects need their cause understood before they are repaired.Everyday Accidental Damage RisksOrdinary DIY and household mishaps can become costly when pipes, cables, glazing or furnishings are involved.Changes to Your Home and How You Use ItMoving, renovation, home working and periods away can change both practical household risks and insurance needs.

Why prevention comes first

A leaking pipe, weak fence, unsafe appliance or deteriorating roof is usually easier to deal with before it causes secondary damage. That is why each HomeRisks guide contains prevention advice specific to the subject rather than generic claims information.

Compare cover with a real situation in mind

When you do look at home insurance, use the risk you have just read about as a test. Check the relevant excess, limit and exclusion rather than assuming every policy carrying the same broad label works the same way.

All 50 HomeRisks guides