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What Your Homeowners Policy Actually Covers | San Jose News
Description
Your homeowners’ insurance might not cover what you think — especially when disasters strike. Wildfires? Usually covered, including smoke and looting. Hurricanes? Wind damage is typically included, but flooding? Not a thing with standard policies. And floods? You need a separate flood insurance policy. Don’t get caught off guard — review your declarations page, check deductibles and limits, and update coverage yearly as rebuilding costs rise. Being prepared means knowing your policy inside out before the storm hits.
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