Home insurance gives you peace of mind-but it’s even better when you don’t have to use it. Understanding the most common claims can help you stay proactive and protect your home from damage, loss, and unnecessary stress. Here are the top 5 most frequent home insurance claims-and tips to help you avoid them:
1. Water Damage (Non-Weather Related)
Burst pipes, appliance leaks, and plumbing failures are among the most common causes of home insurance claims.
How to Avoid It:
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Inspect hoses and water lines regularly (especially for washing machines and dishwashers)
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Insulate pipes in cold weather to prevent freezing
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Know where your main water shutoff valve is
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Install a leak detection device or smart water sensor
Pro Tip: Most standard policies don’t cover flood damage. If you’re in a flood-prone area, consider separate flood insurance.
2. Wind and Hail Damage
Storms with high winds or hail can damage roofs, siding, and windows.
How to Avoid It:
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Keep trees trimmed and remove weak branches near your home
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Secure loose outdoor items before storms
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Inspect your roof annually and after major storms
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Install impact-resistant roofing if you live in a high-risk area
Pro Tip: Take clear photos of your home and roof before storm season as a reference for potential claims.
3. Fire and Smoke Damage
Fires can be devastating, whether caused by electrical issues, cooking mishaps, or accidents.
How to Avoid It:
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Check smoke alarms monthly and replace batteries twice a year
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Avoid overloading outlets or using frayed cords
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Keep a fire extinguisher on each level of your home
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Never leave cooking food unattended
Pro Tip: A monitored smoke detection system could qualify you for a discount on your insurance premium.
4. Theft and Break-Ins
Burglaries are common, especially in urban or high-traffic areas.
How to Avoid It:
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Install motion-sensor lights and deadbolt locks
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Use smart home security systems or cameras
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Don’t advertise trips or valuables on social media
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Keep doors and windows locked—even during the day
Pro Tip: Keep an up-to-date home inventory (with photos and receipts) to simplify the claims process if theft occurs.
5. Liability Claims
These occur when someone gets injured on your property—think slips, falls, or dog bites.
How to Avoid It:
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Clear snow, ice, and debris from walkways and driveways
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Repair uneven steps or broken handrails
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Keep pets leashed or secured when guests are around
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Clearly mark wet floors or hazards during home projects
Pro Tip: Consider an umbrella policy if you want extra liability coverage beyond your standard home policy.
Prevention Pays Off
Most home insurance claims stem from everyday issues that can often be prevented with a little planning and upkeep. A few simple steps can help you avoid common mishaps—and the stress of filing a claim.
Have questions about your current coverage or deductible?
Reach out for a personalized policy review to make sure your home (and your wallet) is protected from the most common risks.