Why are country mansions more prone to small losses according to insurers?

Country mansions are indeed often constructed with materials that may be more vulnerable to specific types of damage, which can lead to small losses frequently. These properties, while grand and valuable, may utilize traditional construction methods and materials that are less resilient to environmental factors such as moisture, pests, or wear over time. For instance, older structures might be built with wood that is susceptible to rot or insect infestations, which can lead to smaller, more manageable claims for repairs or replacements.

The construction materials used in these homes may not adequately withstand common issues, making smaller losses more likely, even if the overall property is typically high in value. This vulnerability is significant to insurers, who recognize that while the overall risk may be managed through higher policy limits, the frequency of smaller claims can still impact their assessments and calculations surrounding premiums and coverage structures.