Most Common Homeowners Insurance Claims

Break-ins and theft account for six percent of insurance claims for Travelers Insurance. Find out the most common homeowners insurance claims.

If you own your home, you know homeowners insurance is a must. From fires to weather-related damages, take a look at the five most common homeowners insurance claims.

Wind and Hail Damage

Wind and hail damage caused the most insurance claims between the years 2014 and 2018, according to the Insurance Information Institute. In addition to damage caused by hurricanes and tornadoes, thunderstorms created widespread wind-related claims. The average claim came in at $11,200. Learn how to find a good repair contractor and work with your homeowners’ insurance agent after storm damage.

Fire and Lightning Damage

Damage from fire and lightning ranks second for frequency but account for the most expensive claims, according to the Insurance Information Institute. The average claim for fire and lightning damage is a whopping $79,785.

Water Damage

Water damage can result from rain or snowmelt, along with interior issues such as a burst pipe or leaking plumbing. Travelers Insurance analyzed eight years of insurance claim coverage data and found water accounted for 31 percent of its claims. Here are five flood insurance tips you should know.

Non-Theft Property Damage

The Insurance Information Institute puts property damage, such as a tree falling on the roof or a utility truck that backs into your garage, as one of its top reasons for homeowner’s insurance claims. While this type of claim can take a number of forms, the average claim cost $6,598. Save on homeowners insurance with these 10 smart tips.

Break-ins and Theft

Travelers notes that break-ins and theft of personal property account for six percent of its insurance claims. Surprisingly, the average cost of these claims doesn’t even break the top five. Here are 22 inexpensive ways to theft-proof your home.

Other Insurance Claims

Wonder where dog bites and trampoline accidents fall? Well, the Insurance Information Institute says liability insurance claims made up just two percent of total claims. Liability refers to your duty toward other people, such as when a guest suffers injury or property damage while visiting your home. Although infrequent, these claims can be expensive — averaging a hefty $26,872. Did you know homeowners insurance covers these 10 unbelievable events?

Rachel Brougham
Rachel Brougham lived through a major home renovation in 2019, knows the ups and downs of home improvement, and loves sharing tips with readers. A veteran journalist of both print and television, she’s won several awards for her writing and has covered everything from the environment and education to health care, politics and food. She’s written for several publications beyond newspapers including Bob Vila, Taste of Home and Minnesota Parent, and she currently writes a weekly syndicated newspaper column. Her memoir, Widowland, about the sudden loss of her husband, was published in 2022. She specializes in everything from home decor and design to lawn and garden, product reviews and pet care. When she’s not writing, you can usually find her tending to her garden (both vegetables and native plants), playing with her dog, watching sports with her family or getting some exercise. A native of Michigan, she currently lives in Minneapolis. An avid user of Instagram, you can follow her @RachBrougham.