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Covers minor medical bills for guests injured at your home, regardless of fault.
Detached buildings like garages, fences, or sheds.
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 home insurance
Protection if someone is injured on your property and sues you.
Standard policies almost never cover flood damage. You must purchase separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier. Covers minor medical bills for guests injured at
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
Your furniture, electronics, and clothing. ⚠️ 3 Things Your Policy Likely Doesn't Cover
The physical structure of your home (walls, roof, etc.).
