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Homeowners insurance is there to protect you, your property, and your belongings in the event the unthinkable happens. Having an understanding of common threats to your home is crucial in this case, both to prevent incidents from occurring and to ensure you have the right coverage in place. The guide below explains these threats in more detail.

What Homeowners Insurance Claims Are the Most Prevalent?

1. Wind Damage

A brutal storm entails high winds capable of damaging your roof, blowing off siding, and causing many other structural issues. While your home insurance likely covers general wind damage, make sure you don’t need a supplemental policy for full protection. This is usually the case when living in an area prone to hurricanes and tornadoes.

2. Fires

Homeowners InsuranceA fire in the home can be devastating. This is true even from a cost perspective, as items that aren’t totally lost may be covered in ash and soot, and in need of a replacement as a result. Along with ensuring your coverage limits are set high enough to provide financial stability in the event of a total loss, make sure that your home is outfitted with smoke alarms and fire extinguishers.

3. Water Damage

Faulty plumbing can cause leaks, which, in turn, can result in water damage in your home. This type of water damage is usually covered, while issues caused by flooding as a result of storm surges or an overflowing body of water typically need a separate flood policy. To prevent plumbing issues, have your system inspected bi-annually by a trusted plumber. You should also take steps to prevent pipes from freezing in the winter, including insulating them.

 

Looking to upgrade your homeowners insurance? Fritch Insurance is here to answer all your questions. Based in Beatrice, NE, this company offers the benefit of more than two decades of experience. As an independent agency, they pledge to find clients coverage that is affordable as well as effective. Schedule a consultation by calling (402) 223-3312 today or visit the website to learn more about their services.

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