Surprising Ways Home Insurance Can Be Invalidated | will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by will always be from Be Scamsmart.

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Derin Clark

Derin Clark

Online Reporter
Published: 19/11/2020
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Most homeowners will have home insurance as a way to protect their property and valuables in case the worst happens. While home insurance provides peace of mind, ensuring that the insurance is valid is key to getting a payout if needed, and although some ways to invalidate the insurance are well-known, such as leaving a window open while out of the house, others are more surprising.

Here we’ve highlighted some of the ways homeowners can invalidate their home insurance without realising.

Being away from home for long periods of time

Burglars are more likely to target properties that look unoccupied than those that looked lived in, which could be why many home insurance policies are not valid if the home has not been occupied for a long period of time. Although the actual length of time the property can remain empty will depend on the insurance, generally most providers will insure a property for up to 30 days of it remaining empty. For those who are away from their home for periods longer than a month, they should contact their insurance company to ensure that they remain protected or discuss the options available if they are not already covered.

Carrying out renovations

Small renovations, such as updating a kitchen or bathroom, are unlikely to impact the home insurance, but if the homeowner is carrying out extensive work, for example a loft conversion, they will need to tell their home insurance provider to ensure the policy remains valid. If the homeowner fails to inform their provider, it could result in the home being underinsured if it is damaged or destroyed and they need to make a claim.

Taking on a lodger

For those with a spare room and who want to make some extra money, taking on a lodger can be a good option, but they need to tell their home insurance provider to ensure the insurance policy remains valid. It is likely that the cost of the insurance will increase, but the insurance policy will still be valid if the property is damaged while the lodger is living in the home.

Making repairs to the home

Many homeowners will carry out small repairs and DIY to their home, but they should be aware that they may not be covered by home insurance if it results in an accident such as a damaged pipe. In order for the damage to be covered, the policy will likely need accidental damage or similar, which many policies do not include as standard. Meanwhile, homeowners who do not keep their home well maintained could also find their insurance becomes invalid.

How to ensure your home insurance remains valid

The key to ensuring home insurance remains valid is by keeping the insurer up to date with any changes to circumstances or the property that are taking place. Homeowners also have to ensure the property remains as secure as possible, for example using burglar alarms and locking windows, as well as keeping it well maintained and warm during winter months, to ensure that the insurance company pays if a claim is made. In addition to this, it is important that the homeowner knows their policy’s terms and conditions and if the policy no longer covers their requirements to update their policy or change provider.

The best home insurance providers

To see all the top home insurance providers for 2020 visit our home insurance page.


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. Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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