Top 5 Homeowners Insurance Claims and how to Make Sure You Have Coverage

As a homeowner, you do everything you can to protect your home from a loss.

Although some homeowners’ insurance claims may be out of your control, being aware of common causes of insurance claims can help you prepare when faced with loss.

The top five homeowners insurance claims include:

Wind and hail damage

Damages from wind and hail are the most common homeowners’ insurance claims. Severe winds and hail can strip the siding off of your home, damage your roof and even break windows.

Fire and lightning damage

A recent study by the Insurance Information Institute found that fire and lightning claims are the most expensive, costing an average of $68,322 per claim. Faulty wiring, heating equipment and fireplaces are all common causes of household fires. 

Water damage

Frozen pipes, sewage backups, and various plumbing issues can lead to severe water damage. Remember, damages caused by flooding are typically not covered under a standard homeowners insurance policy.

Personal liability

Personal liability claims are made when a person or their property is damaged while visiting your home. In most cases, you are held responsible for paying any medical bills or repair costs for the damaged property.


Although theft is less common than other claims on this list, it can still contribute to severe loss. To protect your home from theft, consider installing a home security system.

The Rub

For most people, your home is the largest asset.

Unfortunately, accidents are going to happen. There is nothing you can do to guarantee you never have a loss.

The key is, to have the right homeowners’ insurance policy to protect your unique home risks.

If your current insurance professional has never addressed programs such as these with you before, then I’d encourage you to reach out to us today.

I look forward to introducing you to a new way of viewing your personal insurance program.

Thank you,

Ryan Hanley

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