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House on FireAs a homeowner, protecting what is likely your largest investment is a must. While you hope you'll never have to file a claim, the truth is, not all accidents and situations can be foreseen. As we explore the five most common causes for claims, keep in mind that the best home insurance policy will give you the coverage and peace of mind you deserve.

Wind and Hail

This is the most common home insurance claim and usually results from storms such as hurricanes and tornadoes. However, depending on your exact location, you might need a separate policy to cover these storm-related perils. Consult with your trusted insurance professional today.

Water and Freeze Damage

Homes can fall victim to burst and/or leaking pipes if not properly insulated. The good news is that this category of water damage, as well as rainwater and ice storms, is typically covered by home insurance policies. Inspect your pipes to ensure that there aren't any leaks. Keep pipes insulated during the winter, and run warm water through all faucets and shower heads occasionally to help prevent freezing — and subsequently bursting — pipes, says Zillow Porchlight.

Property Damage

Mischief can lead to property damage of varying degrees. Whether your lights are broken, your home gets egged, your façade gets spray painted with graffiti, or your garden is torn up, your home insurance policy will likely cover the damages.


There were an estimated 2,159,878 burglaries in 2010, according to the Federal Bureau of Investigation, and 74 percent of those occurred at residential properties. These traumatic and often expensive incidents can lead to tremendous loss, so take added precautions to prevent them — such as locking all windows and doors, investing in an alarm system, and never leaving a spare key outside.


These aren't the most common, but they are the most expensive type of home insurance claims. They average about $37,000 in damages for each claim. Whether the fire originates from your stove or your home is struck by lightning, it's imperative that you get the right home insurance to protect you from loss.

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We've got your back. Call Fleming & Riles Insurance at (800) 833-4379 to get a free Georgia home insurance quote.
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