Key home insurance trends homeowners should know

The home insurance landscape is evolving, with a mix of everyday risks, environmental factors and property type all playing a role in shaping claims and premiums.

Recent data¹ highlights that it’s not always major events that lead to claims. Everyday mishaps now account for nearly a third (32%) of home insurance claims. Spills, dropped items and DIY blunders all contribute, 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 an increasing 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 flooding². 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 now key.

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.

Bear in mind – specialist materials and tradespeople often required for repairs also increase rebuild costs, adding to premiums.

A regular review of your cover ensures you remain properly protected.

^1&2Aviva 2026

Financial protection policies typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse.