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Home Insurance. Thursday , March 01st , 2018 - 14:48:08 PM

News headlines in 2017 were dominated for weeks at a time with coverage of natural disasters striking parts of the United States — from Hurricane Harvey flooding homes in Houston, to Hurricane Irma destroying houses in Florida, to wildfires decimating swaths of homes in California. All told, the costs of these incidents are likely to make 2017 the costliest year on record for natural disasters.

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.

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.

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