The 5 Most Common Home Insurance Claims in Greenwood, Indiana
- Dec 29, 2025
- 2 min read
If you own a home in Greenwood, Indiana, having the right homeowners insurance is essential. While we all hope to never file a claim, understanding the most common risks can help you choose the right coverage and avoid costly surprises. At Wexford Insurance, we help Greenwood homeowners find affordable, comprehensive home insurance tailored to their needs.
1. Wind and Storm Damage
Indiana weather can be unpredictable, and Greenwood is no exception. High winds, hail, and severe storms often lead to roof damage, broken windows, and siding repairs. Make sure your policy covers wind and hail damage—some insurers may require separate deductibles for these events.
Tip: Ask your agent about adding extended replacement cost coverage for your roof.
2. Water Damage (Non-Flood)
Burst pipes, leaking appliances, and sump pump failures are common causes of water damage claims. While homeowners insurance typically covers sudden and accidental water damage, it does not cover flooding. For flood protection, you’ll need a separate flood insurance policy.
External Resource: Learn more about flood insurance from FEMA
3. Fire and Smoke Damage
Fires can happen unexpectedly—from electrical issues to kitchen accidents. Fire damage is one of the most expensive claims, often requiring full home restoration. Most standard homeowners policies cover fire and smoke damage, but check your limits to ensure you’re adequately protected.
4. Theft and Vandalism
Greenwood is a great community, but theft can still occur. Homeowners insurance typically covers stolen property and damage caused by break-ins. Consider adding scheduled personal property coverage for high-value items like jewelry or electronics.
5. Liability Claims
Accidents happen. If someone is injured on your property, you could be held liable for medical bills and legal costs. Liability coverage is included in most homeowners policies, but increasing your limits or adding an umbrella policy can provide extra protection.
How to Protect Your Home in Greenwood, Indiana
Understanding these common claims is the first step toward protecting your home. The next step? Make sure you have the right coverage at the best price.
At Wexford Insurance, we work with top-rated insurance companies to help Greenwood homeowners find affordable, comprehensive policies. Whether you’re buying your first home or reviewing your current coverage, we’re here to help.
Get Your Free Home Insurance Quote Today
Ready to protect your home? Click here to get a free homeowners insurance quote from Wexford Insurance or call us at 317-942-0549. Our local experts are here to answer your questions and find the best coverage for your needs.
