Homeowners claims related to wind or hail are the most frequent; the costliest are related to fire and lightning.

About one in 15 insured homes has a claim each year.
About one in 35 insured homes has a property damage claim related to wind or hail each year.
About one in 50 insured homes has a property damage claim caused by water damage or freezing each year.
About one in 235 insured homes has a property damage claim due to theft each year.
About one in 290 insured homes has a property damage claim related to fire and lightning.
About one in 1,015 homeowners policies has a liability claim related to the cost of lawsuits for bodily injury or property damage that the policyholder or family members cause to others.

By Insurance Information Institute