When To Use Your Home Insurance? 
You can make a claim against your homeowners policy any time that you experience a loss as a result of one of the covered perils . Your policy specifies the circumstances that are covered . Common perils are , fire , and lightning . You should remember that your policy has a deductible . Your policy might have some adjustments based upon being claims free . It is possible to file a small claim and realize very little after the deductible , only to discover that you lost your claims free discount which was much more . 