Insurance: Home

Most homeowners assume their policy is a "catch-all," but standard plans usually focus on six primary areas:

Protection if someone is injured on your property and sues you. home insurance

In 2026, the most frequent claims remain wind/hail (40.7%), water damage (27.6%), and fire (21.9%). ⚠️ 3 Things Your Policy Likely Doesn't Cover Most homeowners assume their policy is a "catch-all,"

Standard policies almost never cover flood damage. You must purchase separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier. You must purchase separate flood insurance through the

Detached buildings like garages, fences, or sheds.

Insurance is for "sudden and accidental" events. If your roof leaks because it is 30 years old and poorly maintained, your claim will likely be denied. 💡 Pro Tips to Lower Your Premium 7 Things Nobody Tells you About Homeowners Insurance