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A burst pipe and a rising creek are different losses on different policies. Which water damage a standard homeowners policy pays for, which needs a flood policy, and the backup gap neither fills.
A standard HO-3 policy protects your dwelling, your belongings, your liability and your living costs — and quietly excludes plenty besides. Here is the line-by-line.
No insurer sells a product called full coverage. What drivers mean by it is collision plus comprehensive — here is what each one pays for, and what neither of them does.
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