Home Insurance [ High Speed ]

Your furniture, electronics, and clothing.

Most homeowners assume their policy is a "catch-all," but standard plans usually focus on six primary areas: 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. Your furniture, electronics, and clothing

Covers minor medical bills for guests injured at your home, regardless of fault. or sheds. Like floods

Detached buildings like garages, fences, or sheds.

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