Top of main content

What wear and tear means

Don't let it leave you without cover

You might not be covered by your home insurance if your home hasn't been kept in a good state of repair.

This is because home insurance doesn't cover wear and tear - that is, the effects of gradual deterioration on the building or the contents of your home. For example, this would include the damaging effects of sunlight on a piece of furniture like a sofa.

 

7 tips for keeping your home in good repair

  1. Get domestic equipment, such as your boiler, serviced regularly.
  2. Put in gutter guards to keep out leaves. Gutters can easily overflow when blocked, causing water damage to walls.
  3. Check that pipes in colder parts of the house, such as the loft or cellar, are insulated.
  4. Check for and replace missing or loose roof tiles.
  5. If you have a flat roof, renew the asphalt lining before its life span runs out (the average life span is approximately 10 years).
  6. Inspect the windows for peeling paint and crumbling putty. These problems can cause the timber to swell and let in water.
  7. Remove any broken tree branches surrounding your home, greenhouses or outbuildings before they fall off and cause damage.

 

Looking for home insurance?

Please ensure you read the key information about HSBC Home Insurance and check the full eligibility requirements before you apply. 

 

 

 

Listening to what you have to say about our services matters to us.