14 Apr 2026
Six things that can invalidate your home insurance
Many homeowners don’t realise that a simple act or oversight could invalidate their home insurance policy. Home insurance is essential in protecting your most valuable assets; however, it is important to understand what affects your cover to ensure you are fully protected.
Below are some common errors that can invalidate a home insurance claim:
- Incorrect information -
Giving erroneous details at the point of taking out your insurance policy can cause issues later. Things like failing to disclose that you have claimed previously, or information about the property itself, such as any major structural changes that have taken place, can invalidate your policy.
- Unoccupied properties -
Many property owners don’t realise that if their property is vacant for a period of time (usually around 30-60 days), their cover can be reduced or become void. Most insurance providers have a limit on how long a property can be left unoccupied.
- Not updating details after renovations -
If you have completed major renovations, for example, loft conversions or extensions, and have not informed your insurance provider, this could invalidate your policy.
- Not declaring high-value items -
Often, high-value possessions, such as jewellery and watches, artwork, and collectables, have to be listed separately if they exceed a certain value. Not declaring them could mean they are not insured in the event of a claim.
- Business from home -
Using your house to run a business can impact your cover. If you plan to undertake certain business activities from home, you need to disclose this, as you may require additional insurance.
- Renting out your property -
Most typical home insurance is provided on the basis that you occupy the property. If you want to let your property out, you will need to ensure you have the correct policy, or your cover will be invalid.
Home insurance policies have lots of important terms and conditions that must not be overlooked. It is essential to take your time to look over your policy and keep your insurance provider updated with any changes to your property or personal situation, as this will ensure you are fully protected.
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