Home Insurance -

The physical structure of your home (walls, roof, etc.).

Detached buildings like garages, fences, or sheds. 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 The physical structure of your home (walls, roof, etc

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 ⚠️ 3 Things Your Policy Likely Doesn't Cover

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

Covers minor medical bills for guests injured at your home, regardless of fault.

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