Key home insurance trends every homeowner should know

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.

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 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.

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.

Regularly reviewing your cover can help ensure you remain properly protected.

¹Aviva 2026