“A material fact under the insurance contract is -any situation or information which can increase the frequency and/or severity of loss which is covered under that particular insurance contract.”
A Dog bite could be a material fact for a health insurance contract which has to declared by the proposer to the insurance company. But this is not a material fact in case of buying home insurance.
Secondly, just a declaration of fact is not enough to satisfy the condition of material fact. It is also important to be accurate and complete.
In short, any miss-representation or non-disclosure of even a part of the information is considered a violation of the material fact clause.
It’s always advisable to take the help of insurance brokers to avoid anything which can disqualify your claim in the future. The good part is, it will not cost you anything.