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Home Insurance. Friday , February 23rd , 2018 - 18:29:17 PM

In a year that’s brought potentially unprecedented damage across the United States from natural disasters, consumers surveyed by Clearsurance said they were concerned a natural disaster could also cause damage to their own home. Yet despite 87 percent of respondents expressing concern, very few took action by enhancing their existing insurance policy or purchasing a new one.

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.

Review your homeowners policy and understand what it does and does not cover. Many homeowners are unaware that damage caused by flooding resulting from a hurricane is not covered by their homeowners insurance. If you live in a coastal area, even if you are not in a low-lying area, you might want to consider purchasing flood insurance. Do not wait too long to do this, as most policies are usually not effective until after 30 days.

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