Protection if someone is injured on your property and sues you.
Detached buildings like garages, fences, or sheds. home insurance
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
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 You must purchase separate flood insurance through the
Whether you just got the keys to your first house or have lived in your home for decades, understanding your home insurance policy is the best way to protect your biggest investment. In 2026, the insurance market is shifting, with average annual premiums projected to reach —a 4% increase over last year. 🏠 What Does a Standard Policy Actually Cover?