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

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

Covers minor medical bills for guests injured at your home, regardless of fault. regardless of fault. In 2026

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