Homeowners insurance protects one of your most valuable investments—your house. It helps you pay for repairs if your belongings or a part of your home gets damaged from incidents like electrical fires or natural disasters. Here are some common events that prompt homeowners insurance claims. 

What Are Some Common Homeowners Insurance Claims?

1. Wind & Hail

One in 40 insured homes files a claim for wind and hail damage every year. This typically covers destruction brought by natural weather conditions, such as thunderstorms and hurricanes. Damage by these disasters can be extensive and costly and difficult for many homeowners to resolve without insurance.  

2. Fire & Lightning

homeowners insuranceFires tend to impact multiple systems inside the home, including plumbing, electricity, and telecommunications. A fire can also leave behind smoke damage that makes the home unlivable, even if most of the structure is still intact. Moreover, the cost of relocation during rebuilding can also add up without the right insurance policy. 

3. Liability 

Having liability coverage doesn't directly protect your house, but it does cover you, the homeowner, from expenses that result if someone gets hurt on your property. If your dog bites a guest or their vehicle gets damaged from a fallen tree in your yard, you could be held liable. With homeowners liability insurance, you’re covered in these situations.


If you need homeowners insurance to protect you from unexpected expenses, contact High Rock Insurance Agency in Lexington, NC. They can help you with life insurance, homeowners insurance, business insurance, and other related services. Their staff is available 24/7 to offer personal support if you have questions about your policy. They'll also work side-by-side with you to find reliable and affordable coverage options. Call (336) 236-9022 to discuss which insurance is right for you, or request a quote online.