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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.

Some insurers might not include wildfires as a “covered peril” in areas that are prone to repeated wildfires. If you live in a state where wildfires are more common, your homeowners premium will most likely reflect that increased risk.

By grading your yard, you’ll have leveled out any problem areas, making it easier to add features like a swimming pool or fire pit. These types of projects add value to your home, especially if the houses around you already have these features. Give it a thought and maybe add this kind of renovation to the plans you have for your house when you save enough money one day.

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