Home Insurance May 2026

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

Protection if someone is injured on your property and sues you. home insurance

Detached buildings like garages, fences, or sheds. Covers minor medical bills for guests injured at

Standard policies almost never cover flood damage. You must purchase separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier. home insurance

Like floods, ground movement usually requires a specific endorsement or separate policy.

Insurance is for "sudden and accidental" events. If your roof leaks because it is 30 years old and poorly maintained, your claim will likely be denied. 💡 Pro Tips to Lower Your Premium 7 Things Nobody Tells you About Homeowners Insurance