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Home Insurance Hub
Master the six coverages on a homeowners policy, what is excluded, and how to right-size your dwelling limit to true rebuild cost.
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Frequently asked questions
- Is flood covered by home insurance?
- No. Standard homeowners policies exclude flood. You need a separate NFIP or private flood policy.
- Replacement cost vs market value — which should my dwelling limit match?
- Always replacement cost — what it would take to rebuild your home today. Market value includes land and is largely irrelevant for insurance.