Homeowner's insurance is a must for anyone who owns a home, but it's important to understand what is and isn't covered under a standard policy. While events like fire, theft, and vandalism are typically included, some types of damage‚ such as floods and earthquakes‚ are not covered unless you purchase additional coverage.

This can leave homeowners vulnerable if they don't assess their risks carefully. Knowing the limitations of your policy is key to ensuring that your home is fully protected.

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