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Home Insurance. Saturday , February 17th , 2018 - 05:42:37 AM

If you do experience a loss due to a wildfire, your homeowners insurance policy will most likely cover the cost of repairing your damaged home or rebuilding it, up to the limits outlined in your policy. It will also likely cover the cost of your belongings inside your house.

While more than half of the survey participants revealed that they did review their policy on their own or with an agent, only 18 percent enhanced their plan with 12 percent purchasing a new plan. These low numbers may point to the difficulty many have with understanding their own insurance policy. Most times the policies are long and often contain jargon that’s hard to understand without a background in insurance. Reviewing a policy on your own is a proactive step, but may not be enough to uncover policy gaps in the event of a natural disaster.

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.

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