What does home owners insurance cover |
| Home owners insurance is required by your lender if you have a mortgage against your property. It will cover replacement of the property and help protect you against lawsuits. If you would like your homeowners insurance to cover certain things such as flooding you need to consult your insurance agent to see if this is available for you. Most insurance carriers will have an insurance rider to cover certain types of flooding, but not all flooding. If your home is in a flood zone, then flood insurance would be required and this would be a completely different type of insurance.
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