Whether you just got the keys to your first house or have lived in your home for decades, understanding your home insurance policy is the best way to protect your biggest investment. In 2026, the insurance market is shifting, with average annual premiums projected to reach —a 4% increase over last year. 🏠 What Does a Standard Policy Actually Cover?
The physical structure of your home (walls, roof, etc.).
Covers minor medical bills for guests injured at your home, regardless of fault. home insurance
Your furniture, electronics, and clothing.
Like floods, ground movement usually requires a specific endorsement or separate policy. Whether you just got the keys to your
Standard policies almost never cover flood damage. You must purchase separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier.
Most homeowners assume their policy is a "catch-all," but standard plans usually focus on six primary areas: The physical structure of your home (walls, roof, etc
Protection if someone is injured on your property and sues you.