Common Insurance Claims Made by the Homeowners

Purchasing a home is one of the biggest financial moves in a person’s life. So, it makes sense to buy a home insurance for the protection of your property and its belongings from specified damage.

A standard home insurance policy is likely to cover your property and its belongings from perils like storm, wind, hail, fire, theft, and more. Scores of homeowners claim for coverage each year, and the five claims below are the most common ones:

Water Damage

The claims for water damage coverage are very common across the country. In fact, much of the country experiences snow and freezing during the winter season. So, it’s not unusual for a pipe in the plumber system of a home to have leaks or getting burst. However, any standard home insurance policy covers such damage including havoc caused by snowstorm and rainwater.


Both windstorms and hailstorms belong to the most common insurance claims. Standard policies cover such storms such as hurricanes and tornadoes. However, you may have to purchase separate policies for such natural disasters if you live in an area where such disasters occur frequently. For example, if you live in any of the coastal states, your basic home insurance is unlikely to cover such issues.


The majority of the burglary incidents take place in residential properties. So, it’s not surprising that theft claims make a place in the list of the most common home insurance claims. Spend bucks for a reliable home security system and keeping the doors and windows securely locked in before leaving home can help you avoiding such a problem in the first place. Besides, don’t forget to alert the local police when you are not going to be around for a couple of days.

Property Damage

In addition to the abovementioned reasons, your property can still be damaged by other causes. You will get compensation if someone breaks your windows, tempers with your locks, cut trees or dig up the land on your property, or deface it with spray paint. However, make sure that such acts of vandalism are listed in your policy.

Fire & Lightning

These claims are not as frequent as the abovementioned ones, but they are two of the most expensive claims. Standard home insurance policies offer coverage for lighting and any type of fire damage. You should make sure that these perils are covered by your insurance because such accidents cause severe damage. Besides, discuss the parameters of your coverage with your agent or carrier to ensure that you are covered properly.

You should always take precautions to minimize the losses. Upgrade and repair your home as necessary to keep the damage to the minimal level even if it faces any peril. Plus, don’t forget to review your policy each year and make necessary changes required for the maximum protection.