Common Home Insurance Claims

Patrick Atwater III answers a common insurance-related question.

Home insurance can provide protection for your home, belongings, and the people inside. A lot of people wonder which home insurance claims are most common.  Let’s take a look at some of the most common home insurance claims, so you can ensure your homeowners’ policy is offering you the right coverage in the case of an incident.

#1: Wind and hail – This category includes destruction caused by wind associated with thunderstorms, hurricanes, and tornados. (No wonder it’s first on the list!)

#2: Fire and lightning damage – Although fire and lightning damage ranks second for most common, these damages tend to be the most expensive claims.

#3: Water damage and freezing – Serious damage can result from busted pipes or leaky appliances, and it happens fairly often.

#4: Non-theft property damage – This can include trees falling on structures, a baseball shattering windows, your 16-year-old backing into the new garage door and much more – miscellaneous property damage can take on many forms.

#5: Liability – This refers to the possibility of you being held liable for the actions of others while on your property.

#6: Theft – No need to explain here – let’s all be glad it ranks 6th on the list!

Find the right homeowners insurance coverage with the right limits – at the right price with one of our agents. Atwater Insurance Agency is located in Tifton, Georgia and now in Ashburn, Georgia. We offer coverage for your home, automobile, business, farm or crop. Let us find the right protection for the risks you face!

All policies are subject to different forms, exclusions and endorsements. Be sure to contact your agent for final confirmation of coverage and underwriting policies

Source: Insurance Information Institute