Property damage remains costliest exposure
Property damage also accounted for 38% of total claims in WRS’s 2025 dataset, with an average cost of £9,866 per incident. The most common causes were burst pipes and water leaks, representing 10.9% of all claims, followed by theft at 9.1%. Accidental damage, storm damage and general property damage each made up 5.5% of claims, with glass breakage at 1.8%.