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Homeowners insurance extends a broad umbrella of protection over many different aspects of your life, especially your most valuable investment. When severe weather, malicious actions, or accidents damage or destroy your property, your policy pays for repairs and may cover a new construction if your home is destroyed. Knowing the most common causes for homeowners insurance claims can illustrate the importance of this critical coverage.

5 Common Causes of Homeowners Insurance Claims

1. Wind & Hail

High winds and hail can break windows, damage your roof, and destroy garages, sheds, and fences. In extreme cases, flying debris or fallen trees pose an additional threat, potentially causing thousands of dollars in damage.

2. Leaking Pipes

homeowners insuranceWhile flood damage is not covered by the standard homeowners insurance policy, you can be compensated for the impact of leaking or burst plumbing. Many homes experience extensive water damage in the winter, when freezing temperatures destroy poorly insulated pipes.

3. Vandalism

In addition to natural disasters, homeowners insurance protects against acts of vandalism and criminal mischief. This category includes everything from broken windows and doors to ruined landscaping and graffiti.

4. Theft

The standard homeowners insurance policy includes a certain amount of personal property coverage, which compensates you if your belongings are stolen. If you have especially valuable pieces of art, jewelry, or electronics, extend those limits to ensure you have adequate coverage.

5. Fire

The average fire causes nearly $10,000 in damage, repairs which most homeowners cannot afford. If your home is damaged or destroyed by fire, homeowners insurance protects you from potentially devastating losses.


 

Contact a professional service for a homeowners insurance policy right for you. The experts at Integrity Insurance Solutions have established a reputation throughout San Marcos, TX, for honesty, integrity, and personalized service. Because they maintain relationships with a broad spectrum of insurers, they can shop through a wide selection of policies to find one suited to your unique needs. Follow their Facebook for news and updates, and visit their website or call (512) 396-2211 to request a quote today.

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