The Top Five Leisure Home Insurance Claims in 2025
Understanding the top reasons people make claims on their leisure homes can be surprisingly useful. When you know what tends to go wrong most often, it becomes easier to think ahead and consider what your own leisure home might need. Whether your home is a peaceful escape, a regular retreat, or somewhere you rent out occasionally, real claims feedback can offer insight that helps you prepare for the unexpected.
At Park Home Assist, we speak to leisure-home owners every day, and we see how comforting it is for them to know they have the right cover in place. The claims we’ve handled in 2025 highlight the kinds of situations that owners commonly face, and how much difference it makes to have a knowledgeable specialist available. Every customer involved in these claims shared positive feedback about the support they received and how well they felt looked after.
Below are the top five reasons for leisure-home insurance claims in 2025. They reflect our real-world experience supporting leisure-home owners across the UK this year.
- Storm Damage
Storm damage has been the most common claim this year, with severe winter storms — including Storm Eowyn and Storm Amy — causing a range of issues across the UK. Some leisure homes experienced roof or cladding damage, while others suffered from fallen trees or debris.
Storms can be particularly challenging for leisure homes due to their lighter construction and exposed settings, even when they’re well maintained.
Many customers mentioned that the most comforting aspect of the process was simply being able to speak to someone immediately. They told us they appreciated having guidance from the moment they reported the damage, along with regular updates and help with arranging inspections and temporary solutions. Several said it helped them feel much less overwhelmed during an already difficult time.
- Escape of Water
Escape of water remains one of the most frequent claim reasons, especially during cold periods when homes may be unoccupied. Frozen pipes, unnoticed leaks or plumbing problems can cause significant internal damage.
Owners often describe the sinking feeling of discovering a leak after being away from the property. Many said they were grateful for the calm, steady guidance they received, which helped them understand what to do next. Our team helped coordinate drying work, repairs and assessments, easing the stress during the early stages of the claim.
- Accidental Damage
Accidental damage is also very common in leisure homes. With visitors, family members or occasional guests coming and going, bumps and mishaps naturally happen from time to time.
Examples include:
- Broken windows
- Damage to fittings or fixtures
- Spillages causing lasting marks
Many people told us they found the process refreshingly straightforward. They valued being able to explain what had happened without feeling judged, and appreciated how efficiently everything moved once the claim was underway. A supportive approach often helps turn a frustrating situation into something far easier to manage.
- Theft, Impact and Fire (Joint 4th Place)
Three types of incidents share fourth place this year:
- Theft
Holiday homes can be more vulnerable during quieter periods, and break-ins often involve forced entry or missing items.
- Impact Damage
Events such as falling trees or accidental vehicle impact can cause sudden and often surprising damage.
- Fire
Though less common, fire remains one of the most serious risks.
Customers often highlight how reassuring it was to speak to someone who understood their situation straight away. Whether dealing with a break-in, fire or impact incident, they felt listened to and gently guided through what needed to happen next. One owner described it as “having someone steady the wheel when you’re shaken.”
- Malicious Damage
Thankfully, malicious damage is rare — but when it does happen, it can be very upsetting. Intentional damage feels different from accidental harm, even when the repair work is similar.Those affected said they appreciated the patience, empathy and clear communication throughout the process. They found it reassuring to have someone coordinating repairs and keeping them informed, which helped make a difficult situation more manageable.
Why This Information Might Be Helpful
Seeing the types of claims other leisure-home owners experience can encourage you to think about the risks most relevant to your own home. It may also help with planning seasonal checks, reviewing your policy, or simply understanding the value of specialist cover when things go wrong.
The top claims of 2025 show just how unpredictable leisure-home ownership can be. Many owners find that having a specialist insurer makes a meaningful difference when the unexpected happens. The consistent feedback this year has been how much owners valued speaking to knowledgeable, responsive staff who offered reassurance and support at every stage.
Please note that all insurance cover is subject to acceptance of terms and conditions.
This is a marketing article from Park Home Assist, multi award-winning providers of park home insurance, mobile home insurance, insurance for static caravans, insurance for holiday homes and holiday lodges, as well as boat insurance and touring caravan insurance. If you have any questions about your insurance, then please call our office on 01604 946 796 and one of our insurance advisers will be happy to help.
Published – 19/12/25
