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Covers minor medical bills for guests injured at your home, regardless of fault.
Most homeowners assume their policy is a "catch-all," but standard plans usually focus on six primary areas:
Your furniture, electronics, and clothing. home insurance
Detached buildings like garages, fences, or sheds.
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 Covers minor medical bills for guests injured at
Standard policies almost never cover flood damage. You must purchase separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier.
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 Insurance is for "sudden and accidental" events
The physical structure of your home (walls, roof, etc.).
