Hazard-prone Brits take 21 unnecessary risks around the home each week

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And more than a third (34 percent) regularly risk slipping and falling on their wet bathroom floor.

Other potential gambles people take include leaving their windows unlocked when they head out for the day (26 percent), or standing on a rickety chair to catch a spider on the ceiling (23 percent).

And of those who have garden furniture, 18 percent neglect to secure it ahead of stormy conditions.

Other dicey moves include jumping the last few steps on the staircase (23 percent), and not fitting smoke alarms or making sure the existing ones work (12 percent).

A resounding seven in ten people indulge in at least one risk a day at home, and nearly a third can think of a time when they have taken a chance and it has backfired on them.

Tara Foley, retail CEO at AXA UK, said: “You never know what’s around the corner, and it’s worrying to see a high proportion of homeowners regularly making decisions that can be hazardous at home.

“Risks surrounding our homes are so common that people often don’t consider the dangers they present – but that doesn’t mean Brits should let their guard down and allow themselves to be caught out by easily preventable disasters.

“It is important that people take precautions around the home to protect themselves from accidents which could end up being costly and even dangerous.”

The study also found a daredevil four in ten of those polled would consider themselves risk-takers in their day-to-day lives.

And more than half (51 percent) admitted to taking risks without considering the consequences of their actions first.

Beyond wet floors and unlocked doors, a third extend their risk-taking behaviour into their finances.

Of these financial risk-takers, 53 percent have dipped into their savings to buy non-essential items, and 35 percent have put off renewing their home or contents insurance.

The study, conducted by OnePoll.com, also found one in four (24 percent) are not currently protected by a home or contents insurance policy – despite 38 percent living in areas susceptible to flooding or other extreme weather events.

And even of those who do maintain a policy, almost half (46 percent) are unsure what their home or contents insurance covers them against.

More than four in ten (42 percent) don’t carry out basic checks and maintenance around their home to prepare for adverse weather conditions – with a third believing that taking countermeasures to prevent disaster is too costly.

However, AXA UK has found the average costs of repairing flood and storm damage could significantly outweigh the cost of preventing disaster – with flood damage repairs totalling an average of £36,000, and storm damage totting up to more than £1,000 to repair.

Tara Foley added: “The cost-of-living crisis has made it even more crucial for people to protect what matters most to them.

“With extreme weather events looking likely to increase in the UK, it is important that people prepare their homes against floods and storms, and they check their insurance cover.

“Investing in home maintenance, such as checking roof tiles ahead of a storm and flood-proofing your property, can help stop damage from happening as a result of adverse weather conditions.

“Disaster can strike in all forms, especially during winter months, but having the right home insurance cover in place can also provide a vital safety net in case the worst happens.

“We encourage people to carry out regular checks and maintenance on their homes, and that they make sure their home insurance policy covers them for any eventuality.

“Not doing so can leave people vulnerable to having to spend significant amounts of money on repairing home damage or replacing valuables.”

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