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Home Insurance. Thursday , February 15th , 2018 - 18:21:23 PM

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.

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.

Given the number of uninsured and underinsured homeowners during the 2017 natural disasters, there seems to be a disconnect between homeowners understanding their coverage and what their policy actually covers.

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