A single detached property with trees around.

Insurance is a key component in managing risks and protecting our assets, and when it comes to real estate, home insurance becomes a crucial element. Below is an in-depth look at home insurance, what it covers, and the specifics on drain damage coverage for domestic and business properties.


Home Insurance – What Is It?

In the UK, insurance for properties is also known as homeowner’s insurance.  This type of insurance is commonly known as home insurance and this covers your home for accidental damage and losses incurred in the house or within the property boundaries. If a claim is required to be made, your insurer will expect the policyholder to obtain a house insurance quote for any damage to the property.


sales person on the phone


What does Home Insurance Cover?

Home insurance typically encompasses four crucial forms of protection:

  • Protection for your dwelling’s framework: This aspect of insurance comes into action when there’s a need to fix or reconstruct your home because of damage or destruction caused by disasters such as fires, hurricanes, hails, lightning strikes, or any other calamities mentioned in your insurance contract you may need to obtain a house insurance quote for any damages.
  • Securing your personal assets: This component of your house insurance is designed to protect your personal items. In cases where items like furniture, clothing, and electronic devices are stolen or ruined by disasters, this coverage pays for the loss.
  • Personal liability safeguard: This important part of your property insurance protects you from legal actions resulting from physical injuries or sustained damage to your home structure, injuries to your members of family, and this can also include animals (i.e. domestic pets).
  • Coverage for extra living expenditures (ALE): If a covered disaster makes your home uninhabitable, ALE comes into play. It takes care of the increased costs associated with living outside your home during the period of repair or reconstruction.


Does Home Insurance Cover Drain Repairs, Roots & Collapsed Pipes?

The answer to this question varies depending on the circumstances and specific policy details. Generally, house insurance policies cover damage to pipes if they were damaged as the result of a “covered peril”. This means if a pipe breaks suddenly due to a covered event, such as a fire or vandalism, your insurance might pay for repairs and a house insurance quote for drain related damage can be obtained from our team.

On the other hand, if the damage is due to wear and tear, or if it could have been avoided through proper maintenance, it is unlikely to be covered. For example, if tree roots growing into the pipes cause them to break, this is often considered a maintenance issue and is not typically covered.

In the case of business properties, the rules can be somewhat different, and coverage often depends on the type of insurance policy the business has. Commercial property insurance might cover sudden, unexpected damage to the building structure, including broken or blocked drain pipes, but again will not typically cover damage due to lack of maintenance.


An image of a computer keyboard with a home insurance file.


Home Insurance Statistics

To understand the landscape of home insurance claims, let’s dive into some statistics. Please note that these statistics might vary depending on your location and the insurance provider. Please take these as a general guide:

  1. According to the Insurance Information Institute, one in 20 insured homes has a claim each year.
  2. The most common reasons for claims are high wind and hail storm damage, followed by flooding, water damage and freezing pipes.
  3. The average claim payment for water damage and freezing (which includes damage due to broken pipes) could range from anything from £1,000 upwards.


Specifics for Drain 247

To understand the nuances of coverage for Drain 247 scenarios, a deep dive into unique cases and policy specifics is necessary. As discussed above, general house insurance policies may not cover drain damage, especially if it’s due to lack of maintenance or wear and tear. You would typically need an add-on or separate policy for this if you are not covered. However, if you are insured for accidental damage relating to drains, as part of our claim handling, Drain 247 can provide a house insurance quote for repairs.

If Drain 247 refers to a specific service or situation, more context would be needed to provide a detailed analysis. It is always recommended to review your policy wording carefully and consult with your home insurance provider to understand what is and isn’t covered.


A lady talking to a customer with regards to a quotation.


Wrapping Up

Insurance for homes can be a lifesaver when disaster strikes, but what could be beneficial is contacting a local specialist in your area like Drain 247, who have an insurance claims team who are ready to assist with your needs. It’s important to understand what your policy covers. Whether it’s damage due to natural disasters or issues with your drain or pipes, always double-check with your insurance provider, and consider additional coverage if necessary. Remember, it’s better to be safe than sorry!

The world of insurance can be complex, but once you understand it, you can better protect your home and your peace of mind. Make sure you have a thorough understanding of your insurance policy, and don’t hesitate to ask for professional advice if you’re unsure about anything.


Call Our Claims Insurance Team Today For Advice On Drain Repairs, Mains Water, Off-Mains & Leak Detection To Protect Your Property.