Home Insurance May 2026

The physical structure of your home (walls, roof, etc.).

Standard policies almost never cover flood damage. You must purchase separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier. home insurance

Detached buildings like garages, fences, or sheds. The physical structure of your home (walls, roof, etc

Protection if someone is injured on your property and sues you. Detached buildings like garages, fences, or sheds

Your furniture, electronics, and clothing.

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?

Most homeowners assume their policy is a "catch-all," but standard plans usually focus on six primary areas: