Home Insurance Review

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

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

Your furniture, electronics, and clothing. Like floods, ground movement usually requires a specific

Detached buildings like garages, fences, or sheds. water damage (27.6%)

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

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

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