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What does home insurance cover
Quick answer
Standard coverage includes dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. Flood, earthquake, mold, and routine wear are excluded.
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Financing options
Most homeowners pay cash for smaller jobs, use a HELOC or home equity loan for larger projects, or take a renovation loan when equity is limited.
Insurance considerations
Homeowners insurance covers sudden, accidental damage from a named peril. Gradual wear and maintenance issues are excluded — a home warranty may help close that gap.
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Last updated: 1970-01-01