Ask Bob Insurance What are the most common home insurance claims?

What are the most common home insurance claims?

By Bob Millaway, South Jersey Community Expert & REALTOR®

The most common claims are wind and hail damage, water damage and freezing pipes, theft, fire, and liability claims like slip-and-fall injuries. Water damage and wind claims are especially common in New Jersey. Knowing these helps you focus your prevention efforts where it matters most.

Why It Matters

Understanding common claims helps you prioritize home maintenance and safety improvements that reduce your risk and potential claim frequency.

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