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Be prepared for the unexpected with home insurance

Be prepared for the unexpected with home insurance

Category: Home insurance

Updated: 20/08/2015
First Published: 20/08/2015

This article was correct at the time of publication. It is now over 6 months old so the content may be out of date.

Having home insurance is all about being prepared for the unexpected, but sometimes it's easy to forget how important it is – or just how unexpected certain events can be. To help, Saga Home Insurance has taken a look at its claims data over the past 25 years and highlighted the most unusual ones, and some of them could surprise you.

Out of the ordinary

Some of Saga's most noteworthy claims are the result of freak accidents – or even freak weather. For example, a claimant's house in Co. Durham was hit by lightning not once but twice during a storm in July this year, putting that old adage to rest once and for all, and leaving the owners with severe damage to the rendering.

Then there was the case of a tidal surge damaging a house so extensively that the homeowners thought they'd need to tear it down and start again – luckily, their insurance meant that wasn't necessary – and for something truly unusual, there's the incident of the couple whose bird seed containers spontaneously combusted, causing £36,000 worth of damage.

Sometimes, human error is to blame – as can be seen from the time that a builder pumped cavity wall insulation into a cloakroom instead of the walls – but pets can have a lot to answer for, too, not only in a raft of cases where mischievous pets have knocked glasses of water over expensive electronics, but also the time where a dog ate his owner's hearing aids when they were left on the coffee table.

Be prepared!

This not only goes to show just how unusual and unexpected some events can be, but also highlights the importance of making sure you're properly covered. For example, not all home insurance policies will cover pet damage – so those with unruly pooches could be left seriously out of pocket – and there'll be plenty of other exclusions you need to watch out for, too.

Sue Green, head of Home Insurance at Saga, commented: "Looking back on 25 years of claims it's clear that you never really know when or how misfortune can strike. Whether it's pets, human error, the weather or even a freak accident, having the right level of cover in place makes all the difference when it comes to replacing items, or repairing damage."

So, don't run the risk. Make sure you're completely prepared for the unexpected by going through your home insurance policy with a fine tooth comb, and if it's time to renew, compare the options thoroughly so you can be sure you're getting the level of cover you need.

Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.