What's not covered by home insurance

We can't cover every eventuality with home insurance. Here are some of the most common exclusions and the reasons why they’re not covered.

We’d like to cover everything that happens to a home, but if we covered all eventualities, premiums would rise – potentially making insurance unaffordable for some. Below are the most common exclusions 1.

Pets 

As a nation of animal lovers, our furry friends are a big part of our lives. But as any pet owner knows, they can cause damage. Almost a fifth (17%) of homeowners thought that damage caused by pets is covered by their home insurance. In fact, it’s a common exclusion across many policies.

Fences

A quarter (25%) of people we surveyed thought their insurance would payout for fences damaged in a storm. This is a common exclusion because fences are highly susceptible to wind damage, particularly if they’re old or poorly installed. Damage to fences accounts for 10% of all Aviva home insurance claims rejected.

Wear and tear

Wear and tear accounts for 11% of all declined claims, and the survey also showed a similar proportion – 1 in 10 (12%) homeowners – thought home maintenance was covered by their home insurance policy. For example, damp, especially if left untreated, can cause major problems both inside and outside the home, but it isn’t usually covered by home insurance. 

Home insurance isn’t a maintenance contract; it’s there to cover unforeseen events and doesn’t normally cover damage that’s occurred over a period of time. To protect your home, check your property regularly – particularly gutters, flat roofs and fascia boards. 

When does bad weather become a storm?

If regularly maintained, most homes can withstand rain and wind. However, weather can expose rather than cause poor maintenance problems, such as loose guttering falling down – an event that wouldn’t generally be covered by insurance. 

Damage caused by a storm would usually be covered by a home insurance policy. To establish storm conditions, insurers tend to use third party expert weather data. Generally, a storm is classed as wind speed or gusts over 55mph. 

Insurers will also consider other factors. For instance, properties in exposed locations are more likely to be damaged at lower wind speeds.

Looking for Home Insurance?

Visit our Home Insurance page to see full details of the cover we offer.

More articles on protecting your things

Find out more about looking after what’s yours.

1 Jun 2020

Households urged to take extra care as number of barbecue-related fires surge

Keep your garden safe

6 May 2020

Five reasons to try a dash cam in 2020

Find out about dash cams

24 Apr 2020

Save money on your property: how to overcome downsizing hurdles

Learn about downsizing

17 Apr 2020

Meet the anxious drivers that learnt to beat the nerves and get back behind the wheel

Beat the nerves

8 Apr 2020

Working from home? Let us give you a little peace of mind that your home office equipment is covered

Find out more

11 Mar 2020

Naming yourself as the main driver on your teen's car insurance could get you into trouble

Avoid insurance fraud

13 Feb 2020

Buying a diamond-studded gift this Valentine’s Day? Here’s one more way things could go horribly wrong

Are you covered?

23 Jan 2020

Hitting the slopes this winter? Alessandra’s accident shows that even experienced skiers need cover

Read more

17 Jan 2020

Confessions of a driving instructor – learning to drive

Learn to drive

16 Jan 2020

Van security becomes personal for millions in the small business economy

Read more

10 Jan 2020

Families more connected than ever, survey reveals

Read more

10 Jan 2020

Counting the cost of an electric car

What’s the real cost?

7 Jan 2020

Are electric cars really the most environmentally friendly choice?

Read more

30 Dec 2019

Why we're stepping up the climate fight

Read more

19 Dec 2019

The office apiaries helping bees thrive

Read more

19 Dec 2019

Ways to make your home eco-friendly

Read more