What can you claim on house insurance?


Editorial team Published on

You can claim on your house insurance for damage to your home's physical structure, loss of personal belongings, liability for injuries, and temporary living costs if your home is unlivable.

✅ Covered Claim Categories

  • Dwelling Structure: Repairs for damage to walls, roof, or built-in appliances from fire, wind, hail, or lightning.
  • Other Structures: Fixing detached garages, sheds, or fences damaged by covered events.
  • Personal Property: Replacing stolen or ruined clothing, furniture, and electronics.
  • Liability Protection: Paying legal fees or medical bills if someone is hurt on your property.
  • Living Expenses: Covering hotel or extra food costs if a disaster forces you out.

⚠️ Common Exclusions (Not Covered)

  • Floods and Earthquakes: Require separate specialized policies.
  • Normal Wear and Tear: Gradual damage, rotting wood, or lack of maintenance.
  • Pest Infestations: Damage from termites, rodents, or insects.

💡 When to File a Claim

  • Compare Costs: Only file if damage significantly exceeds your deductible.
  • Weigh Premium Hikes: Frequent small claims can raise your future rates or risk policy cancellation.