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
Like floods, ground movement usually requires a specific endorsement or separate policy. Covers minor medical bills for guests injured at
Detached buildings like garages, fences, or sheds. or sheds. In 2026
In 2026, the most frequent claims remain wind/hail (40.7%), water damage (27.6%), and fire (21.9%). ⚠️ 3 Things Your Policy Likely Doesn't Cover
The physical structure of your home (walls, roof, etc.).
Your furniture, electronics, and clothing.