Understanding the most common homeowners insurance claims can help you prevent damage and protect your wallet. Here are the top claims and tips to avoid them.

1. Wind and Hail Damage
These weather events are the most frequent claims. Roofs, siding, and windows often take the brunt of the damage.

Prevention Tips:

Keep your roof in good repair.

Secure loose shingles.

Trim trees to reduce falling branch risks.

2. Water Damage (Non-Flood)
Burst pipes, leaky appliances, or roof leaks can lead to costly damage—sometimes unnoticed until it’s extensive.

Prevention Tips:

Insulate pipes in cold climates.

Install water leak sensors.

Check your roof and gutters regularly.

3. Fire and Smoke
Fires are devastating but often preventable. Causes include cooking mishaps, electrical faults, or heating system issues.

Prevention Tips:

Install smoke detectors and check batteries monthly.

Avoid overloading outlets.

Keep fire extinguishers in key areas.

4. Theft and Vandalism
Break-ins and vandalism lead to personal property claims and emotional distress.

Prevention Tips:

Install a security system.

Use motion-sensor lighting.

Keep valuables out of sight.

5. Liability Claims
If someone slips on your icy driveway or is bitten by your dog, you could face legal and medical expenses.

Prevention Tips:

Maintain walkways.

Post warning signs if you have pets.

Consider higher liability limits.

Conclusion
While homeowners insurance can’t prevent problems, knowing what causes the most common claims can help you take preventive steps. Regular maintenance and smart home investments can reduce your risk—and save you money in the long run.