Protection if someone is injured on your property and sues you.
Your furniture, electronics, and clothing. home insurance
The physical structure of your home (walls, roof, etc.). Protection if someone is injured on your property
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 etc.). In 2026
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.
Most homeowners assume their policy is a "catch-all," but standard plans usually focus on six primary areas: