Home Insurance Site

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

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

Standard policies almost never cover flood damage. You must purchase separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier. water damage (27.6%)

Like floods, ground movement usually requires a specific endorsement or separate policy.

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