May 2025
What are the most common home insurance claims?
Every year, thousands of Irish homeowners make insurance claims due to damage or loss in the home. Understanding the most common causes of claims can help you take simple steps to protect your property – and avoid unexpected costs.
We’ve crunched the numbers from 2024, and here are the top five reasons homeowners in Ireland made a claim on their home insurance policy.
1. Burst Pipes – 33% of All Claims
Burst pipes are the single most common cause of home insurance claims, making up 33% of all claims in 2024. These incidents often occur during cold snaps when water pipes freeze and crack, leading to extensive water damage inside the home.
Top tip: Insulate pipes, especially in attics or external walls. If you’re going away during the winter, keep your heating on a timer or turn off the water supply.
2. Storm Damage – 28% of All Claims
Storm damage is the second most common reason for claims, accounting for 28% of all cases. This includes both standard storm claims and larger events, such as the named storms Ireland faced in 2024 – Isha, Ashley, Bert, and Darragh. Storm-related claims often involve damage to roofs, windows, and outdoor structures.
Top tip: Check your roof regularly for loose tiles and clear gutters of debris. Trim overhanging branches and secure outdoor furniture before high winds.
3. Accidental Damage – 18% of All Claims
Accidents in the home – from knocked-over TVs to paint spills on carpets – made up 18% of home insurance claims. These mishaps are especially common in busy family households or during DIY projects.
Top tip: Consider adding accidental damage cover to your policy for extra peace of mind. And keep liquids and tools away from valuable items during home improvements.
4. Fire – 10% of All Claims
Fires in the home, though less frequent, still accounted for 10% of claims in 2024. Most fire-related claims stem from cooking accidents, faulty electrics, or chimney fires.
Top tip: Install smoke alarms and test them regularly. Never leave cooking unattended and have your chimney swept annually if you use an open fire or stove.
5. Theft – 5% of All Claims
Theft remains a concern for homeowners, making up 5% of claims. Opportunistic burglaries often target homes that appear empty or have easy access through windows and doors. There has been a substantial increase in burglaries and related offences, according to the latest CSO crime figures. Burglaries rose by 10% in the 12 months up to September last year*.
Top tip: Use a monitored alarm system and keep doors and windows securely locked – even when you’re at home. Light timers and smart home security can also help deter burglars.
Protect What Matters Most
Your home is likely your biggest asset – and having the right home insurance policy in place can give you peace of mind when the unexpected happens. Whether you’re concerned about weather damage, fire, or everyday accidents, Allianz Home Insurance offers comprehensive cover to suit your needs.
Get a home insurance quote today and see how we can help protect your home and everything in it.
This guidance is for general information purposes only. Allianz accepts no responsibility or liability for any losses that may arise from any reliance upon the information contained in this guidance.
Allianz p.l.c is regulated by the Central Bank of Ireland.
Information correct as of date of publish.
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