Climate damage and home insurance in 2025

Introduction

Climate change has a direct impact on home insurance. An increase in storms and floods makes building and contents insurance more expensive, especially in risk areas. In 2025, insurers will focus more on sustainability and prevention.

What can you expect?

1. Rising premiums: Homes in risk areas pay more due to increased climate damage.

2. Green discounts: Sustainable adjustments such as solar panels or a green roof can result in premium discounts.

3. Preventive measures: Insurers encourage customers to take measures to limit damage caused by climate change.

Practical Tips

• Check whether your home is located in a risk area and adjust your insurance accordingly.

• Consider sustainable investments such as solar panels to get a discount.

• Report damage immediately and take preventive measures, such as waterproof basements.