Together with high-value goods, there are other things not covered which might surprise you. For instance, if pests such as rats enter your home and damage appliances, you may not be covered since you could have prevented the pest from entering your home. General wear and tear isn’t usually covered, nor is a build-up of mould.

Some policies also exclude things like floods, burst pipes, poor workmanship. If you are a business working from home and don’t have the right home business insurance, standard home insurance won’t cover injury or damage to your goods, either. It’s essential you are proactive in protecting your home.