What do you suppose is the germiest thing in your house? We always keep counters wiped down and dishes clean, but are you doing it right? Using that same sponge or rag spreads more icky germs than anything. Bacteria are picked up and need to be cleaned right away and cloths replaced often. Use cloths, towels and rags that you can toss away or wash in the washing machine.
Not only can you be getting germs from someone sneezing, but you can pick them up if your hand lands on anything (doorknob, etc) and then touches your eyes, nose or mouth.