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Home Insurance. Saturday , February 24th , 2018 - 13:55:50 PM

If you live in an area or state that is at a higher risk for wildfires, it’s important to make sure that your home inventory is kept up to date, and is stored in a safe location-consider keeping a copy in a secure digital location “in the cloud” so that even if your computer or laptop are damaged, you’ll still be able to access a copy. A safe deposit box or a fire-resistant safe are two options for physical copies.

The rapid adoption of Wi-Fi enabled devices has allowed for an increase in what are called “non-monitored” systems. These are security systems that are set up in a home, but are not connected to an alarm company. While these types of systems do offer an additional level of home protection, they might not qualify for a discount on homeowners or renters insurance premiums. Check with your agent or carrier to find out more about what types of home security system installations might qualify for a discount.

Your homeowners insurance policy might also help pay for temporary housing or living expenses if you need to live elsewhere while your home is being repaired or rebuilt. Check your policy or talk to your agent to learn about any possible coverage limits and exclusions.

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