Home Insurance covers you against a broad spectrum of losses that relate to your home. If you have a mortgage, your lender requires an active insurance policy that covers the replacement value of the home. Even if you do not have a mortgage, it is still a good idea to reap the benefits that come with this type of coverage. If you are not covered, you may have to suffer the costs of replacing your home completely on your own. Also, this type of coverage usually includes liability coverage which protects the homeowner from financial devastation in the case of legal action if there is an accident within the home.
Hurricane protection covers repairs or rebuilding necessary to homes, garages, sheds, pool houses, gazebos, and more that may be affected by the cyclone. Interiors that are damaged are able to be refurbished with this coverage as well. This policy may even cover driveways and landscapes that need repairs. Damages caused by rising waters are not covered by hurricane insurance and might require a separate policy.
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