There is all manner of issues that can crop up when you’re at home that could affect your no-claims bonus on your house insurance.
Sadly, a lot of them aren’t possible to prevent; while accidents can be a major issue in your abode, the weather is another thing that can really derail your plans for a relaxing time in your property.
Recent happenings may force many people over 50 to consider Castle Cover house insurance quotes, given the possibility that the climate problems led to so many claims.
During December of last year alone, claims on house insurance totaled around £900 million after the barrage of snow and ice damage that hit UK homes, according to Think Money.
Pay-outs accounted for burst pipes, ice damage to roofs and gutters, as well as heavy damage caused by melted snow.
This represented a major increase on last year’s figures, as well as a reminder of the changing climate in the UK.
Sadly, many households not choosing to renew home cover would have had a nasty shock when the value of the damage was conveyed to them.
Official figures discussed by the website went on to claim that nearly a third of households have no building or contents cover.
This isn’t the best situation, given that the average winter damage claim is around £2,200.
Naturally, other factors relating to weather have been known to cause major home insurance claims.
A number of flash-floods have been recorded in low-lying areas of the UK, such as York, Carlisle, and Worcester, while intense storms can bring hail, lightning and heavy rain that can also hit a homeowner’s wallet hard.
While assessing the risks of a property is always important in such areas, having home insurance should be seen as necessary, particularly as our climate evolves into a much more unpredictable beast.