When people think of homeowners' insurance claims, they often associate them with major disasters such as hurricanes, tornadoes or wildfires. In these situations, there's not much that policyholders can do to avoid disaster.

Fortunately, many homeowner losses are entirely preventable. 

In 2014, 5.3 percent of insured homes had a claim, according to the Insurance Information Institute and ISO data. Property damage, including theft, accounted for 97.3 percent of those claims.

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