More than 200 claims have been made due to damage caused by falling TV aerials, contributing to around £725,000 in payouts by insurers since 2019.
Meanwhile, oil leakages have caused £68m to be claimed by households in the past five years.
One of the more surprising claims reported to Confused.com home insurance found one badger burrowing a hole under their home, which caused the ground beneath the house to sink.
The most common problems that lead to insurance claims are accidental damage, which represents a fifth (21%) of all claims, escape of water, with 18%, and a broken fridge freezer, with 12%.
The latter issue caused over £4m in claims for food that has perished due to a freezer breaking down, which has caused over 7,600 home insurance claims made by households.
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Inside properties in Britain, most of the claims were due to damage to carpets (27%), followed by interior walls (23%) and loss of food (21%).
The average amount of claims by households for damages amounted to £304 over the last five years, which covered an average damage to their home of £284.
In terms of the most expensive payouts, water damage was responsible for over £1.7bn in claims since 2019.
While getting home insurance is vital for those unexpected, often heartbreaking accidents, the price of getting cover has skyrocketed.
In just one year, the cost of premiums rose by a fifth (19%), according to data from the Association of British Insurers (ABI). This increases if you choose to pay for your policy monthly instead of annually.
‘Policies can help often very stressful situations’
Matthew Harwood, home insurance expert at Confused.com, said: “Some people may choose not to have any type of home insurance. This could be because it’s not a legal requirement like other insurance, or because of financial uncertainty in the current climate. But having a policy in place could really help in a situation [that] can be expensive and often very stressful.
“There are also times when you won’t need to claim on your insurance. For example, if the cost of the repair is cheaper than your total excess amount.
“But the main thing to consider when taking out a policy is whether it will cover you in the event of needing to make a claim.”
Horwood added: “You want to make sure that you’re paying for the right level of cover. This is important if you live in an area of the UK prone to stormy weather, or live in an older home that could use TLC.
“If you need to make a claim, our guide on how to claim on your home insurance can provide further help and advice. Just remember to check your policy documents first, as not all insurers may pay out for incidents relating strictly to badgers.”
