Home insurance is designed to protect you from major financial losses. But many of the most common claims homeowners file are preventable and filing them can raise your premiums or even put your coverage at risk.
Understanding which claims happen most often, and why, can help you protect your home and avoid unnecessary insurance headaches.
Here are the home insurance claims insurers see most frequently and what you can do to reduce the risk.
1. Water Damage (Not From Flooding)
Water damage is one of the most common and costly home insurance claims.
Typical causes include:
- Burst or leaking pipes
- Failed water heaters
- Washing machine or dishwasher leaks
- HVAC system issues
How to reduce the risk:
- Inspect plumbing annually
- Replace old hoses and connectors
- Install a water leak detection system
- Know where your main shutoff valve is
Most policies cover sudden water damage, but not damage caused by long term neglect.
2. Wind and Storm Damage
Storm related claims spike every year, especially in regions prone to high winds or hail.
Common issues include:
- Roof damage
- Broken windows
- Fallen trees
- Exterior siding damage
How to reduce the risk:
- Inspect your roof regularly
- Trim trees near your home
- Secure outdoor furniture
- Reinforce garage doors if you live in storm prone areas
Preventive maintenance can make a real difference when storms hit.
3. Fire and Smoke Damage
Fire claims are less frequent but extremely expensive.
They often result from:
- Electrical faults
- Cooking accidents
- Space heaters
- Fireplace or chimney issues
How to reduce the risk:
- Install smoke detectors on every level
- Service electrical systems as needed
- Keep flammable materials away from heat sources
- Clean chimneys annually
Many insurers also offer discounts for fire safety upgrades.
4. Theft and Vandalism
Break ins and property damage remain common in many areas.
Typical claims involve:
- Stolen electronics
- Damaged doors or windows
- Garage theft
How to reduce the risk:
- Install deadbolts and window locks
- Use a monitored security system
- Keep valuables out of sight
- Light exterior entry points
Security upgrades may also qualify for insurance discounts.
5. Liability Claims
Liability claims happen when someone is injured on your property.
Common scenarios include:
- Slip-and-fall accidents
- Dog bites
- Injuries caused by poor maintenance
How to reduce the risk:
- Keep walkways clear and well-lit
- Repair hazards promptly
- Fence yards where appropriate
- Review dog breed and liability exclusions
Liability claims can be costly and difficult to defend without proper coverage.
6. Weather Related Freezing Damage
Frozen pipes are a major source of winter claims.
This often happens when:
- Homes are left unheated
- Pipes aren’t insulated
- Water isn’t shut off during extended absences
How to reduce the risk:
- Insulate exposed pipes
- Maintain minimum heat levels
- Drain plumbing when traveling
- Seal drafts in crawl spaces
Prevention is far cheaper than repairs.
Why Avoiding Small Claims Matters
Filing frequent small claims can:
- Increase future premiums
- Lead to non-renewal
- Reduce eligibility for preferred pricing
For minor damage, paying out of pocket may be smarter than filing a claim.
Review Your Coverage Before a Claim Happens
Knowing what your policy covers and what it excludes matters.
Review:
- Water damage limitations
- Deductible amounts
- Coverage caps
- Exclusions for wear and tear
Many homeowners only discover gaps after a claim is denied.
Most home insurance claims stem from routine risks not rare disasters. Regular maintenance, basic safety upgrades, and smart prevention can dramatically reduce the likelihood of filing a claim.
Protecting your home doesn’t just save you repair costs. It helps keep your insurance affordable and reliable when you truly need it.
In another related article, Health Insurance Marketplace Tips: How to Pick the Right Plan Without Overpaying
