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Home Insurance. Saturday , February 24th , 2018 - 13:10:23 PM

The trouble with this logic is that although many believe their insurance policy will properly cover them, in reality many will not be properly covered when disaster strikes. Take Hurricane Harvey for example. Approximately 70 percent of the flood damage from Hurricane Harvey was uninsured, according to CoreLogic, a leading source for flood and disaster risk data.

Ms. Worters noted that standard homeowner policies don’t cover damage from floodwaters, even if it is caused by a hurricane’s storm surge. Homeowners must buy separate flood coverage, either through the National Flood Insurance Program or from private companies. There is often a waiting period (30 days, in the case of federal flood insurance) before flood policies take effect. Homeowners who want coverage beyond a standard flood policy can also consider extra insurance, available from excess or surplus lines insurers.

Some systems have additional sensors to monitor for fire, smoke, and water damage, and some newer systems incorporate security cameras both inside and outside the dwelling. With the added protection offered by home security systems, many insurance companies now offer discounts on premiums on homeowners or renters insurance policies if a homeowner chooses to install a system.

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