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.


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.


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.

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