Cheap Home Insurance In Bognor Regis - Online & Broker Quotes

Compare Bognor Regis home insurance: up to 50 online quotes, plus optional local broker quotes.

Main Causes of Home Insurance Claims in Bognor Regis

Weather-Related Damages

In many parts of the UK, unpredictable weather patterns often lead to a range of issues in homes. Bognor Regis is no exception, with several claims arising from:

• Storm and wind damage: High winds can dislodge roof tiles, damage chimneys, or even uproot trees causing structural damage.
• Floods: Unexpected torrential rain and localised flooding can inundate homes, especially those in lower-lying areas.
• Snow and ice: Cold spells can result in frozen pipes which, when thawed, can burst and cause extensive water damage.

Accidental Damage

Human error or accidents make up a significant proportion of claims. This can encompass a wide range of incidents such as:

• Broken windows or doors due to mishaps.
• Accidental spillages on carpets or damage to walls.
• Fires started inadvertently, for instance, by leaving candles unattended.

Theft and Burglary

Whilst this seaside town enjoys a relatively low crime rate compared to larger urban areas, theft and burglary still contribute to the number of home insurance claims. Areas with higher foot traffic or homes that might appear vacant can be targets. Common claims include:

• Stolen electronic gadgets such as TVs, laptops, and mobile phones.
• Break-ins leading to property damage, especially to doors or windows.
• Theft of jewellery and other valuable items.

Escape of Water

Issues related to water leakage or overflow within the property are common. They can be caused by:

• Leaking pipes or appliances, especially in older homes where the plumbing might be outdated.
• Overflows from bathtubs or sinks left unattended.
• Malfunctioning of household appliances such as washing machines or dishwashers.

Fire and Smoke Damage

Although not as common as other causes, fire incidents can be devastating, both emotionally and in terms of property damage. Causes often include:

• Faulty electrical wiring or malfunctioning electrical devices.
• Unattended candles or fires.
• Issues with kitchen appliances or mishaps whilst cooking.

Prone Areas for Home Insurance Claims in Bognor Regis

Coastal Regions and Beachfront Properties

Being a seaside town, certain areas close to the coast face a heightened risk due to:

• Weather-related damage: Proximity to the sea can make properties more vulnerable to strong winds, saltwater corrosion, and occasional tidal surges.
• Theft or vandalism: High foot traffic in beachfront areas can sometimes lead to increased incidents of theft or property damage.

Examples include homes around Marine Drive and The Esplanade.

Older Neighbourhoods

Certain parts of the town, known for their older architecture, can be more susceptible to certain types of incidents:

• Escape of water: Older plumbing systems may be more prone to leakages or bursts.
• Structural issues: Time and environmental factors can result in wear and tear on older homes.

Areas such as Aldwick and Felpham are good examples of these older neighbourhoods.

Commercial Districts and High Streets

Areas with higher concentrations of commercial establishments and shopping streets can sometimes see a rise in incidents due to:

• Theft and burglary: Higher foot traffic and easier access can sometimes make properties in these areas more attractive to thieves.
• Accidental damages: The hustle and bustle of busy areas can lead to more frequent accidental damages to properties.

London Road and High Street are two such areas where homes might be at a slightly elevated risk.

Low-Lying and River Adjacent Areas

Some regions in close proximity to water bodies might face a higher risk because:

• Flooding: Homes near the River Aldingbourne, for example, can be more susceptible to flooding, especially during heavy rainfall.

This includes neighbourhoods around Shripney and North Bersted.

Protecting Your Home in Bognor Regis

Weather-Proofing Coastal and Beachfront Homes

Living near the coast comes with its own set of considerations. Here are steps homeowners can take to protect against the elements:

• Invest in weather-resistant exterior paint to combat saltwater corrosion.
• Secure outdoor furniture and fixtures to prevent them from becoming projectiles during strong winds.
• Regularly inspect and maintain sea-facing windows and doors to ensure they are sealed against the elements.

Upkeeping Older Properties

Historic charm can sometimes come with age-related vulnerabilities. Here's how to address them:

• Regularly inspect roofs and guttering to avoid leakages and potential water damage.
• Update old plumbing systems to reduce the risk of water escape incidents.
• Engage in periodic structural assessments to ensure the property remains sound.

Security in Commercial and High-Traffic Areas

Homes in busier areas can take these measures to deter potential intruders:

• Install a quality home alarm system.
• Use motion-activated outdoor lighting to ward off would-be burglars.
• Ensure windows and doors have sturdy locks and are in good working condition.

Flood Protection in Vulnerable Areas

For homes close to water bodies or in low-lying regions, consider the following precautions:

• Elevate electrical appliances and sockets above potential flood levels.
• Install non-return valves in drainage pipes to prevent backflow during flooding.
• Consider investing in sandbags or other flood barriers as a preventive measure during heavy rainfall.

Secure Your Peace of Mind Today

Don't wait for the unexpected. Explore the best home insurance options tailored for your needs and get online quotes today!