"It’s important to act at the first sign of rodent activity, whether the property is on the market or not. Early intervention can prevent costly repairs and ensure the home remains safe and insurable"
- Greg Wilson - Quotezone
UK homeowners are being warned that rat problems could reduce property values, disrupt sales, and even leave them without insurance protection.
Home insurance specialists at Quotezone.co.uk are urging households to act quickly if they suspect rodent activity, as the country faces a predicted rise in infestations this winter. The increase is linked to the warmest summer on record, which has created ideal conditions for vermin.
Warnings have already been issued that the UK should prepare for a severe outbreak. Hot summer weather and excess food waste have provided plentiful resources for rats, while warmer temperatures accelerate breeding cycles. As a result, households are being encouraged to remain alert.
Rat infestations can reduce property values by as much as 20% due to the damage they cause and the risks they present. Based on average house prices, this could mean a fall of up to £53,000.
The issue is also relevant to property transactions. Rats must be legally declared during a house sale, and failing to disclose them can be considered mis-selling. This may lead to legal action and could even cause a sale to collapse.
Even when a home is not being sold, homeowners are advised to check for early signs and take preventative measures to avoid long-term damage. Infestations can also affect family health and lead to expensive repairs.
Insurance policies are another concern. Most providers do not cover damage caused by rats, as infestations are classed as a maintenance issue rather than an unforeseen event.
With estimates suggesting the UK rat population ranges from 10.5 million to 120 million, homeowners are being reminded of the main signs to watch for. These include droppings, rub marks, and gnawed food packaging. Properties with unsealed entry points are at particular risk.
“Rats are far more than just a nuisance – these unwanted intruders are a serious threat to properties and household finances,” said Greg Wilson, home insurance expert and CEO at Quotezone. “They pose significant health risks to humans and pets too, due to the various illnesses they carry, which can be passed on through their droppings, urine, or even a bite.
“It’s important to act at the first sign of rodent activity, whether the property is on the market or not. Early intervention can prevent costly repairs and ensure the home remains safe and insurable."
“When homeowners take out home insurance, they agree the property will be well maintained and cared for. Incidents that arise due to wear and tear will not likely be covered and leave owners vulnerable – making it crucial to do property checks now, before the darker evenings arrive, sealing any gaps and making sure food sources can’t be accessed.”
Practical steps to reduce the risk of rats include:
Seal entry points: Use steel wool, wire mesh, or caulk to close holes in walls, foundations, and around doors and windows.
Maintain cleanliness: Keep kitchens and food storage areas clean, and store food in airtight containers.
Reduce outdoor attractions: Remove composted food, clear garden debris, and trim back trees or shrubs so branches do not touch the house.
Limit water sources: Clear gutters, repair leaks, and remove standing water.
Use deterrents: Peppermint oil, ammonia, or ultrasonic devices can help discourage rats.
Call pest control: For large or persistent infestations, use a licensed professional to assess and treat the property.
While standard home insurance does not usually cover infestations, some policies such as home emergency cover may help with the cost of removal. Buildings cover can sometimes apply if infestations cause secondary problems, such as water damage from gnawed pipes, although homeowners are advised to check their policy terms.
