Insurance FAQs

Does your home insurance cover wear and tear?

No, your home insurance doesn’t cover wear and tear. Your house, and the things you buy to make it a home, will all get bumps, scuffs and worn out from use over time.

For example, if your washing machine starts to make a funny rattle when it’s on the spin cycle, you won’t be able to claim for a new one.

Wear and tear also applies to the actual fabric of your house. For example, your roof can start leaking for a variety of reasons. The leak might just appear from nowhere - or something might happen and you notice the water coming in. You might assume that your insurance covers a leaky roof - but often your roof leak is due to wear and tear. This means you’d have to pay for any repairs.

Here are some other typical examples of wear and tear. None of these would be covered by your home insurance:

  • a roof in poor condition, such as cracking to the surface of a flat roof or slipped roof tiles
  • rotten wooden window frames
  • cracked rendering
  • loose pointing on brickwork or a chimney stack

Read our guide to making a claim for more information about wear and tear.