NI homeowners braced for rat plague

Northern Ireland homeowners are being warned that a predicted surge in rat infestations this winter could threaten property prices, derail house sales and scupper insurance claims.

Home insurance experts at CompareNI.com are urging households to act fast to protect their homes from vermin, as an explosion in rodent activity is expected over the coming months, following one of the warmest summers on record.*

Rats were found to be the most common household pests in Northern Ireland,** and the problem is worsening as rising temperatures create ideal breeding conditions.

But as the colder weather draws in, these pests will make their way inside in search of food, warmth and shelter – making it more important than ever for households to stay vigilant.

Rat infestations can knock up to 20% off a property’s value in the UK due to the risks they pose and the damage they cause – with figures potentially reaching up to £53k based on average property prices.***

It is also a legal requirement to declare the presence of rodents during the sale of a house – failing to do so can be seen as mis-selling a home and can lead to legal action.****

Even if a house isn’t on the market, homeowners are urged to be on the lookout for early signs of rats and take steps to prevent an infestation to avoid long term damage, protect their family’s health, and avoid costly repair bills.

With estimates putting the number of rats in the UK anywhere between 10.5 and 120 million, it’s important that homeowners know what to watch out for.*****

Signs of rats include droppings, rub marks, and gnawed holes in bags of foodstuffs – with houses that have any unsealed entry points at higher risk.

Ian Wilson, home insurance expert and Managing Director at CompareNI.com said: “Not only do rats carry bacteria and viruses that can pose significant health risks to humans and pets, but they can also cause serious structural damage to properties – gnawing through electric cables, pipes, insulation and even woodwork.

“Damage caused by vermin is typically not covered by home insurance policies, as it is considered a maintenance issue rather than an unforeseen risk – so homeowners could be left to foot a hefty repair bill. That is why it is important to tackle rodent activity at the earliest opportunity.

“Householders should consider carrying out checks of their property now before it is too late, blocking off any potential entry points, tidying their yards and making sure food sources are sealed.”

Five ways to help protect your home from rats:

1.Seal entry points

Use steel wool, wire mesh, or caulk to close any gaps, cracks, and holes in walls, foundations, and around doors and windows.

2.Maintain cleanliness

Kitchens, pantries and food storage should be kept clean and free of any crumbs or spills, and food should be kept in airtight containers.

3.Reduce outdoor attractions

Avoid leaving rotting food in compost, clear garden debris where rats can nest, and trim back any trees or shrubs so branches don’t touch the house.

4.Limit water sources

Ensure gutters and drains are clean, and fix any leaking taps or pipes. Rats are attracted to standing water.

5.Use deterrents

Natural deterrents like peppermint oil, ammonia, or ultrasonic devices all work well to help keep rats away.

While standard home insurance doesn’t normally cover rat infestations, there are add-on policies such as home emergency cover which can help with the cost of removing the infestation. Buildings cover may also help with any adverse side effects from the infestation, such as water damage from gnawed pipes, but homeowners need to check their policy for details.

As a price comparison site, CompareNI.com helps customers find savings on all sorts of essentials, such as home and landlord insurance. 

References:

 *https://www.telegraph.co.uk/news/2025/08/25/brace-for-plague-of-rats-after-sweltering-summer/

**Most common household pests in the UK by region – Prokill UK

***https://theintermediary.co.uk/2025/05/rat-infestation-could-knock-up-to-20-off-property-values-warns-property-expert/

****https://www.bettermove.co.uk/blog/do-you-have-to-declare-rats-when-selling-a-house/

*****https://bpca.org.uk/a-z-of-pest-advice/rat-control-how-to-get-rid-of-and-prevent-rats-bpca-a-z-of-pests/188991