Question By: Homeowners insurance could be the best thing you'll buy–and hope you'll never have to use it. Basic homeowners' policies cover damage to the house caused by fire, vandalism, hurricane, lightning, or other specifically covered events. Homeowner's policies also cover loss or damage to personal property due to theft or other covered events.
However, insurance does not cover damage caused by earthquakes and floods. Policies generally deny coverage of damage resulting from chronic and extreme neglect and faulty maintenance. There are limitations on mold-related situations and caveats for specific dog breeds kept on the property.
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