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?
Like floods, ground movement usually requires a specific endorsement or separate policy. home insurance
Detached buildings like garages, fences, or sheds. 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. Like floods, ground movement usually requires a specific
Your furniture, electronics, and clothing.
Most homeowners assume their policy is a "catch-all," but standard plans usually focus on six primary areas: