Accidents happen all the time, which is why it’s important to seek out an insurance company whenever you purchase a house, car, or even when you get married. Home insurance, auto insurance, life insurance, disability insurance, they’re all great to have when the unexpected happens. For example, when a tornado rips through your neighborhood and decimates your home, you’ll benefit from having home insurance. If a spouse passes away suddenly, life insurance can help offset expensive medical bills. Fortunately, there are plenty of insurance companies and insurance agents across the country eager to get you insured.

Just how common do insured homes file claims, though? How often do homeowners actually utilize their insurance in the U.S.? Well according to ISO, 5.3 percent of insured homes in the U.S. had a claim in 2014. Of those claims, 97.3 percent were due to property damage, like theft. In fact, home insurance claims are so common that about one in every 15 homes files a claim each year and nearly one in 30 insured homes file claims related to property damage from wind and hail every year. Suffice it to say, property damage is the leading cause for homeowners to file insurance claims.

Then there is car insurance. Automobile accidents happen every day, which is why it’s so important for drivers to have insurance. After all, about 6 percent of collision insurance policyholders filed claims in 2015, and in the same year, the average property damage claim from auto accidents was $3,493, while the typical claim for bodily injury was $17,024. Collision claims averaged $3,350, and comprehensive claims averaged $1,671. That’s a lot of money that insurance policies cover, so individuals don’t have to. Imagine being without insurance in the event of a major auto collision?

As said before, accidents happen all the time. From natural disaster accidents like tornados, floods, and snow storms to auto accidents that could turn deadly in an instant, insurance is important. It’s wise to have an insurance company in your back pocket you can trust, because, in today’s day and age, it’s imperative to have insurance policies in place to protect you and your family when the unexpected happens.