Learn how the coinsurance formula affects your home insurance claim reimbursement, why maintaining 80% coverage is crucial, and see examples to avoid penalties.

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Insurers usually record all claims, including non-fault ones, and may take them into account at renewal. For example, if your parked car is hit and the other driver’s insurer pays for repairs, your no ...

The ABI said the cost of domestic flood claims increased by 38% to £313m in 2025, while payouts for subsidence jumped 10%.