Home insurance provides Irish homeowners with vital peace of mind. Whether it’s a burst pipe, break-in, or storm damage, unexpected incidents can lead to costly repairs. However, understanding the most common home insurance claims can help you take steps to prevent them.

In this article, we explore the top five most frequent home Insurance claims in Ireland. More importantly, we explain how to avoid them with smart, practical actions. If you're a homeowner in Dublin, Cork, Galway or anywhere across the country, this information could help you reduce risk, protect your home, and keep your premium low.

Water Damage Claims

Water damage remains one of the most frequent claims made on Home Insurance policies in Ireland. It’s also one of the most preventable.

Common Causes of Water Damage

Most water-related claims come from:

• Burst or frozen pipes

• Leaking appliances (washing machines, dishwashers, etc.)

• Overflowing sinks or bathtubs

• Roof leaks during heavy rainfall

• Blocked or damaged drains

How to Prevent Water Damage

To avoid costly repairs, early prevention is key.

• Insulate pipes: During winter, frozen pipes are a major risk. Lag pipes in unheated areas like attics or basements.

• Inspect your roof: Check for cracked or missing tiles and clear debris from gutters and downpipes regularly.

• Check appliances: Ensure all connections to washing machines and dishwashers are secure and in good condition.

• Know where your stopcock is: In an emergency, turning off the water supply quickly can prevent major flooding.

• Install a leak detection system: These systems alert you to unusual water activity.

Regular maintenance is essential. Insurers often reject claims for damage caused by long-term leaks or neglected repairs.

Fire Damage Claims

Though less frequent, fire-related claims tend to be severe and expensive. Fire damage can destroy property, possessions, and in worst cases, lives.

Common Fire Hazards in Irish Homes

• Electrical faults (overloaded sockets, faulty appliances)

• Kitchen fires, often from unattended cooking

• Chimney fires in homes using solid fuels

• Candles left unattended

• Smoking indoors

How to Minimise Fire Risk

Prevention starts with awareness and routine safety measures.

• Install smoke alarms: Fit alarms on each floor and test them monthly.

• Have electrical systems checked: Hire a registered electrician to inspect wiring and appliances.

• Use chimneys safely: Have your chimney swept at least once a year.

• Stay in the kitchen: Never leave a pan unattended while cooking.

• Use fireguards: Place these around open fires or stoves.

• Keep extinguishers and blankets handy: Store them in accessible locations.

Most importantly, create a fire escape plan and ensure everyone in the household knows what to do in an emergency.

Theft and Burglary Claims

Unfortunately, theft and burglary remain common in urban and rural areas across Ireland. Claims rise during darker months and holiday periods.

Burglary Trends in Ireland

Thieves often look for:

• Easy access through unlocked doors or windows

• Poor lighting or no visible security measures

• Homes left vacant for long periods

• High-value electronics, jewellery, or cash

How to Deter Burglars

You can significantly reduce burglary risk with some practical steps.

• Install quality locks: Secure all entry points, including rear doors and windows.

• Use an alarm system: A monitored security alarm acts as a strong deterrent.

• Improve outdoor lighting: Motion sensor lights near doors and pathways help discourage intruders.

• Keep valuables out of sight: Don’t leave items like laptops or handbags visible through windows.

• Join a neighbourhood watch: Community involvement strengthens awareness and deterrence.

• Avoid broadcasting absences: Don’t post holiday plans or location updates on social media.

Letting your insurance provider know that you’ve taken security measures can even lead to lower home insurance premiums.

Weather-Related Claims

Ireland’s climate is famously unpredictable. From heavy rainfall and flooding to winter storms and coastal winds, weather-related claims are rising.

Types of Weather Damage

• Flooding of basements and lower levels

• Wind damage to roofs, fences, and sheds

• Fallen trees damaging property

• Damage from lightning or hail

• Storm surges in coastal areas

How to Protect Against Weather Damage

Some weather events are unavoidable, but preparation reduces their impact.

• Keep gutters clean: Blocked gutters cause overflow and dampness.

• Secure outdoor furniture: In high winds, loose items can become dangerous.

• Trim trees regularly: Prevent falling branches during storms.

• Install flood barriers: In flood-prone areas, these help reduce water intrusion.

• Seal openings: Check windows, doors, and vents for potential leaks.

• Check your roof: Ensure tiles and slates are intact before storm season.

You should also review your insurance policy to confirm what is covered under storm or flood damage.

Liability Claims

Personal liability claims are one of the least discussed, yet they can carry substantial financial risk.

What Are Liability Claims?

If someone is injured on your property or if you accidentally cause damage to another person’s property, you could be held legally responsible. These situations are covered under the liability section of your home insurance.

Common Liability Scenarios

• A visitor slips on a wet floor or icy pathway

• A child is injured on a trampoline or play equipment

• Your tree falls and damages a neighbour’s roof

• A fire that spreads from your home to another

How to Prevent Liability Incidents

Protecting your home means safeguarding others as well.

• Maintain walkways: Clear snow, leaves, and debris promptly.

• Fix hazards quickly: Repair broken steps, loose tiles, or exposed wires.

• Supervise activities: Keep an eye on children during outdoor play.

• Inform guests: Make them aware of potential hazards like uneven surfaces.

• Secure pets: Prevent aggressive behaviour or escapes that might cause injury.

Accidents can happen, but by staying vigilant, you can avoid costly claims and uncomfortable legal issues.

Why Preventative Action Matters

Most claims stem from preventable incidents. By investing a little time and money in home maintenance and safety, homeowners can protect what matters most and potentially lower their premiums.

Dolmen Insurance offers policies that are tailored for the Irish homeowner, ensuring comprehensive cover with a clear understanding of local risks. From coastal cottages in Kerry to city apartments in Dublin, we provide real protection backed by expert advice.

The Importance of Reviewing Your Policy

Avoiding claims is only part of the equation. Having the right policy in place is just as critical. A home insurance policy should be reviewed annually to ensure it reflects:

• Any home improvements

• Increases in personal belongings

• Updated security or safety features

• Regional changes in risk (e.g., flood zone updates)

Dolmen Insurance can help you evaluate your policy and make recommendations based on your home, location, and lifestyle.

A Final Word: Why Professional Guidance Matters

It’s easy to underestimate the value of professional guidance until a claim arises. At Dolmen Insurance, we go beyond simply issuing policies. We work with you throughout the year, helping you make informed decisions that protect your home and finances.

When claims occur, our team provides personalised support so you’re never dealing with issues alone. We explain your options clearly and fight to get your claim resolved fairly and quickly.

Take Action Before You Need to Make a Claim

Most home insurance claims in Ireland stem from water damage, fire, theft, weather, or liability. While insurance is your safety net, prevention is your first defence. By taking simple steps, like securing your home, maintaining appliances, or reviewing your policy, you can prevent many of these common issues. You'll also show your insurer that you're a responsible homeowner, which can lead to more competitive premiums.

For over 20 years, Dolmen Insurance has supported Irish homeowners with expert advice, tailored protection, and real peace of mind. Let us help you safeguard your home today and avoid the most common home insurance claims tomorrow.

Don’t wait until it’s too late, speak to Dolmen Insurance today to review your current policy and ensure you have the protection you need.

If you are looking for affordable, comprehensive cover, consider Dolmen Insurance. Get in touch today to discuss your car insurance options and explore the benefits of bundling your insurance cover. From Mortgage Protection to Life Insurance, Home Insurance or Car Insurance we have you covered.

Contact Us Today.