Home | Insurance

Your furniture, electronics, and clothing.

Covers minor medical bills for guests injured at your home, regardless of fault. home insurance

Whether you just got the keys to your first house or have lived in your home for decades, understanding your home insurance policy is the best way to protect your biggest investment. In 2026, the insurance market is shifting, with average annual premiums projected to reach —a 4% increase over last year. 🏠 What Does a Standard Policy Actually Cover? Your furniture, electronics, and clothing

Standard policies almost never cover flood damage. You must purchase separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier. In 2026, the insurance market is shifting, with

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

Detached buildings like garages, fences, or sheds.

The physical structure of your home (walls, roof, etc.).