Make sure your policy covers the cost of rebuilding — and don’t confuse the real estate value of your house with what it would cost to rebuild in case of damage. And remember, most standard policies, which usually cover disasters such as fire or hurricanes, do not include flood coverage. Consider buying coverage from the National Flood Insurance Program ( www.floodsmart.gov), or buy additional coverage from your current carrier. Mold, Fire, Flood & Other Topics: Homeowners Insurance Explained

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