"Lifestyle changes also play a big role. Leaving the house unoccupied for more than a month, running a business from the home or increasing the size of your family also increases the risks associated with the property"
- Helen Rolph - Quotezone
Specialists at Quotezone warn that even small alterations, such as installing a new bathroom or taking extended trips away, can affect policy prices. More significant developments, like major upgrades, unusual building materials, or starting a business from home, may also prompt insurers to raise premiums.
Five changes that can impact premiums
1. Starting a family
An increase in household size raises the potential for accidents or damage. Insurers require this information to ensure the policy remains valid. Failure to update details could lead to claims being rejected.
2. Home upgrades
Large projects, such as a new kitchen, bathroom, or loft conversion, add value to the property and increase the rebuild cost. Renovations can also introduce short-term risks, so insurers should be informed in advance.
3. Renovating with unusual materials
Using non-standard materials—like reclaimed timber or thatched roofing—can push up premiums because repairs or replacements may be harder and more costly. Specialist tradespeople may also be required.
4. Leaving a home unoccupied
Properties left empty face higher risks of burglary, leaks, or fire damage. Most policies only cover unoccupied homes for up to 30 days, meaning extra cover may be needed for longer absences.
5. Running a business from home
Working from home is often covered by standard insurance, but running a business can be different. Extra equipment, liability risks, and visitors to the property may require policy changes.
Helen Rolph, home insurance expert at Quotezone, said, “As summer draws to a close, many homeowners start to look for new and exciting projects, something to look forward to as the darker months set in or perhaps start home improvements needed before the weather turns cold and stormy.
“Many homeowners might not be aware of the unexpected consequences some of these changes might bring, these additions could increase insurance costs or risk the protection altogether.
“Lifestyle changes also play a big role. Leaving the house unoccupied for more than a month, running a business from the home or increasing the size of your family also increases the risks associated with the property."
“To protect themselves, homeowners need to notify the insurer of any major changes or else they may find themselves uninsured when it comes to making a claim.”
