Most homeowners assume their policy is a "catch-all," but standard plans usually focus on six primary areas:
Like floods, ground movement usually requires a specific endorsement or separate policy. home insurance
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 Most homeowners assume their policy is a "catch-all,"
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 water damage (27.6%)
The physical structure of your home (walls, roof, etc.).
Detached buildings like garages, fences, or sheds.
Your furniture, electronics, and clothing.