08/06/2026
๐๐ฌ ๐๐จ๐ฎ๐ซ ๐๐จ๐ฆ๐ ๐๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐ ๐๐๐๐๐ฒ ๐
๐จ๐ซ ๐๐ฎ๐ฆ๐ฆ๐๐ซ?
We might be using summer as a helpful prompt to get you organised, because really, all of these policy extras are very important throughout the year. However, if you are like us, summer is a great motivator to get everything sorted so you can sit back and relax. This is especially true if you are one of the lucky ones with a beach to head to! Here are some top home insurance considerations heading into summer!
๐๐ฅ๐ฅ ๐ญ๐ก๐ข๐ง๐ ๐ฌ ๐๐ฎ๐ข๐ฅ๐๐ข๐ง๐ ๐ข๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐
โข ๐๐ฎ๐๐ฌ๐ข๐๐๐ง๐๐: have you heard of this one? Summer dry spells cause soil shrinkage, which is one of the most common (and costly) causes of subsidence claims in the UK. Check your policy explicitly covers it and note the typical ยฃ1,000 excess. Could you cover that?
โข ๐๐ญ๐จ๐ซ๐ฆ ๐๐๐ฆ๐๐ ๐: we are hoping for none of thatโฆ but it is the UK after all. Make sure you confirm what counts as a "storm" under your policy (insurers often require specific wind speeds to qualify).
โข ๐๐ฌ๐๐๐ฉ๐ ๐จ๐ ๐ฐ๐๐ญ๐๐ซ: last thing on your mind! But burst pipes from ageing infrastructure are unfortunately common. Make sure this is included in your policyโฆ and again check the excess!
โข ๐๐๐๐ฎ๐ข๐ฅ๐ ๐ฏ๐๐ฅ๐ฎ๐ ๐ฏ๐ฌ ๐ฆ๐๐ซ๐ค๐๐ญ ๐ฏ๐๐ฅ๐ฎ๐: another one to easily miss. Your sum insured should reflect the rebuild cost, not what you'd sell the house for. These can differ significantly. You can use the ABI rebuild calculator to check and make sure you are confident.
๐๐จ๐งโ๐ญ ๐๐จ๐ซ๐ ๐๐ญ ๐๐จ๐ง๐ญ๐๐ง๐ญ๐ฌ ๐ข๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐
โข ๐๐๐ซ๐๐๐ง ๐๐จ๐ง๐ญ๐๐ง๐ญ๐ฌ: have you splashed out on some new garden furniture, BBQs, and outdoor equipment? These are often covered only up to a low sublimit (e.g., ยฃ500โยฃ1,000) or excluded entirely if left outside overnight. Letโs check ahead of summer for peace of mind.
โข ๐๐ข๐๐ฒ๐๐ฅ๐๐ฌ: do you love to feel the wind in your hair? If you're cycling more, make sure you confirm bikes are covered away from home. Top tip! Check the single-item limit.
โข ๐๐ข๐ ๐ก-๐ฏ๐๐ฅ๐ฎ๐ ๐ข๐ญ๐๐ฆ๐ฌ: weโve all been there. Lost jewellery, cameras, or sports equipment on holidayโฆ Ensure each item you are taking is separately listed, so you get the full value back.
๐๐จ๐ฆ๐ ๐ข๐ฆ๐ฉ๐จ๐ซ๐ญ๐๐ง๐ญ ๐๐ฑ๐ญ๐ซ๐๐ฌโฆ.
โข ๐๐๐๐ข๐๐๐ง๐ญ๐๐ฅ ๐๐๐ฆ๐๐ ๐:Covers things like spilling drinks on a laptop or putting a foot through the ceiling during loft work.
โข ๐๐ฅ๐ญ๐๐ซ๐ง๐๐ญ๐ข๐ฏ๐ ๐๐๐๐จ๐ฆ๐ฆ๐จ๐๐๐ญ๐ข๐จ๐ง: If your home becomes uninhabitable (e.g. after a flood or fire), check how long your insurer will cover alternative accommodation and up to what amount.
โข ๐๐๐ ๐๐ฅ ๐๐ฑ๐ฉ๐๐ง๐ฌ๐๐ฌ ๐๐จ๐ฏ๐๐ซ: Covers disputes with neighbours, contractors, or landlords if you're having work done.
โข ๐๐จ๐ฆ๐ ๐๐ฆ๐๐ซ๐ ๐๐ง๐๐ฒ ๐๐จ๐ฏ๐๐ซ: Typically covers boiler breakdowns, lost keys, roof damage, or plumbing failures needing urgent attention.
Would you like advice on what to look for when comparing policies or how to handle a specific situation like renovation or renting your home out? Letโs chat! We can streamline the process and leave you feeling positive, confident, and ready for summer!
๐ ๐ฉ Call us or WhatsApp on 07384 766029 or email [email protected]
