Honest home insurance holders are having to pay some £13 a year more in premiums due to fraudulent claims, research suggests.
One in three insurers told Axa they experienced an increase in the number of inflated claims being submitted in the last year.
Some 8% of people admitted they had exaggerated a claim in research carried out for the insurer. It also showed that people had inflated the value of their belongings by £2,898.
A further 36% of consumers said they would consider inflating a claim if they made one, with 47% of people saying they either thought it was "fair game" to do this, or "not too bad".
One in 10 consumers said they thought it was all right to exaggerate a claim as everyone did it, with a further 6% saying they thought insurance companies could afford it.
People are most likely to exaggerate the value of a television, with fraudulent claims on TVs often spiking before big events such as the Football World Cup.
Other common scams include making a claim for a designer watch, which was actually a counterfeit one bought abroad, claiming for a freezer full of expensive food, and inflating claims for cash that was stolen following a burglary.