From our recent guide on what homeowners insurance covers, we realized that homeowners insurance covers many surprising things that we would have never guessed! However, spoiled food and slander are not examples of losses that are frequently filed for at homeowners insurance agencies. Between 2012 and 2016, the most common causes of property damage for homeowners based on the claims made were: water and freezing damage, wind and hail damage, theft, fire and lightning damage, bodily injury, medical, and credit card damage (fraud or theft).
