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Understanding what your homeowners insurance doesn’t cover is just as important as knowing what it does. Avoid costly surprises by learning about these common coverage gaps. 1. Flood Damage Why It’s Excluded: Standard homeowners insurance policies specifically exclude flood damage due to the catastrophic nature and predictable geographic risk of flooding. What You Need: Separate … Read more

Homeowners insurance can be one of your largest annual expenses. Learn proven strategies to reduce your premiums without sacrificing the protection you need. 1. Increase Your Deductible One of the fastest ways to lower your premium is to increase your deductible—the amount you pay out of pocket before insurance coverage kicks in. Potential Savings: Increasing … Read more