Insurers paid £1.2bn for weather-related property claims in 2025, up 14% on 2024, according to the Association of British Insurers. People reading your site while buying, moving or remortgaging have a reason to use home insurance comparison, and the Met Office outlook gives homeowners who already hold a policy cause to check it this autumn.
How much is weather adding to UK property claims?
The ABI’s annual figures, published on 18 February 2026, put property claims at a record £6.1bn for 2025. Weather-related claims made up £1.2bn of that, an increase of £142m on the year before. Damage to homes and possessions accounted for £758m, covering storms, flooding, frozen and burst pipes and escape of water.
Domestic subsidence claims reached £307m, up 10% after the UK’s hottest summer on record.
Weather damage is also costing more per claim. The average weather-related claim reached £8,548 in the second quarter of 2026, up 12% on a year earlier, according to ABI figures released on 3 August 2026. Chris Bose, the ABI’s Director of General Insurance Policy, said: “The growing cost of subsidence and weather-related damage is a reminder of why improving the resilience of our homes matters.”
What does the Met Office expect this autumn and early winter?
The Met Office published its assessment of this year’s El Niño on 21 August 2026. Professor Adam Scaife, its Head of Long Range Forecasting, said: “We should be clear that this is an unprecedented event.”
Its sea surface temperature forecasts for the Niño3.4 region, the area of the equatorial Pacific used to track El Niño, show record values of more than 3°C above normal, against 1°C to 2°C in a typical event. The Met Office describes it as probably the largest such event since the nineteenth century. For the UK, it expects the event to start increasing the chances of wetter, stormier conditions in the coming autumn and early winter.
Forecasts get revised, and the Met Office says it is running new ones continually. Advice on preparing a home for storms stays useful whichever way the forecast moves.
Which brands already reach a home insurance audience?
Property portals, estate and letting agency groups, mortgage brokerages, conveyancing platforms and the personal finance sites that cover moving costs all reach a home insurance audience.
Many of their readers will soon need cover in place. Buildings insurance is not a legal requirement in itself, but a buyer with a mortgage normally needs it in place from exchange of contracts, because the lender requires it. The same applies when a homeowner remortgages. A storm preparation article reaches homeowners between transactions, when they may be checking the cover they already hold.
How does home insurance comparison work for a property brand?
On the affiliate route, a tracked link sends your readers to Quotezone or CompareNI, and you earn commission on the quotes and leads that convert. No integration beyond that is required.
A co-branded journey runs the comparison in your own style and branding. Seopa hosts it, usually on a branded subdomain, and presents it in alignment with your site. A homeowner moving from a mortgage calculator to a quote still sees the brand they came from, which suits a site that readers use through the whole transaction. There is a fuller walk-through of adding a co-branded home insurance journey to a property or mortgage brand.
The commercial case for your brand
Home insurance draws around 74,000 UK searches a month in Google Ads data pulled on 7 August 2026, against 450,000 for car insurance. On advertiser value the order reverses. The same pull indexes a home insurance click at 194, where car insurance is 100.
Advertiser value shows how hard firms compete for a customer. It is not commission, and no partner is paid it. Commercial terms are agreed directly and vary by route and line.
Affiliate commission is paid monthly, and a separate tracking link for each placement feeds real-time reporting. Place the link where the need for cover comes up, in conveyancing and moving checklists, remortgage guides and seasonal content on preparing a home for winter.
Why choose Seopa?
Property cover on the platform goes well beyond standard home policies. It includes landlord, holiday home, non-standard home, park home and unoccupied property insurance, so a brand serving movers, landlords and second-home owners has more than one line to offer.
Seopa operates the FCA-regulated comparison platform behind Quotezone and CompareNI, and behind hundreds of partner front ends. The platform runs over 9 million quotes annually for 4 million UK customers, drawing on direct relationships with more than 300 providers. It covers more than 60 insurance, utilities and financial products.
Seopa has run UK insurance comparison since 2005. It is authorised by the Financial Conduct Authority, firm reference 313860.
Talk to the partnerships team
A brand with a mortgage calculator and a set of moving guides could run a co-branded journey from the first and affiliate links from the second.
Referrals are explained on the affiliate scheme page, and the co-branded journey on the white label page. Tell the partnerships team at which stage of buying or owning a home your audience finds you. The team will come back with the property lines most relevant to those readers.
Frequently asked questions
How much did UK insurers pay for weather damage to property in 2025?
Weather-related property claims cost insurers £1.2bn in 2025, up 14% on 2024, in ABI figures published in February 2026. Claims for damage to homes and possessions came to £758m in the same figures.
What is the Met Office forecasting for this autumn and early winter?
The Met Office expects this year’s El Niño, probably the largest since the nineteenth century, to start increasing the chances of wetter, stormier conditions for the UK in the coming autumn and early winter. It is running new forecasts continually.
Is buildings insurance a legal requirement when buying a home?
No. Mortgage lenders normally require buildings cover from exchange of contracts as a condition of the loan, and they expect it on a remortgage too. A buyer without a mortgage faces no lender requirement.
Which property insurance lines can a partner offer through Seopa?
Standard home, landlord, holiday home, non-standard home, park home and unoccupied property insurance are all available, among more than 60 products on the platform.