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Here’s the truth.  I was researching homeowner’s insurance when I came across this article.  I liked it and could think of no way to improve it so, here it is, just as I found it at the Hippo Insurance Blog.  I know nothing about the company personally.  The link is below.

Every homeowner needs insurance, but the kind of coverage you need may vary depending on different factors, like the age of your home and where it’s located. The standard homeowners insurance policy protects your dwelling, personal property and additional structures on your land. Covered perils can vary, but policies typically cover incidents like fires and thefts. Homeowners insurance plans generally exclude coverage for floods, earthquakes, mold and wear and tear. It’s important to understand what your policy includes and excludes so that you can determine whether you’re properly covered. Since the natural disasters and perils you face may differ from the ones homeowners deal with in other states, we created an insurance guide with information and resources just for Texans.  

Supplemental insurance needs in Texas – Texas is the second most wildfire-prone state and it’s the top state for major hail events. Homeowners also have to worry about hurricanes and tornadoes. All of these Texas-specific concerns aren’t necessarily covered by basic homeowners insurance. You may have to buy separate policies or endorsements to protect yourself. If you live in an area that’s prone to flooding, you can find coverage through the National Flood Insurance Program (NFIP). The Federal Emergency Management Agency (FEMA) …

Source: Guide to Texas Homeowners Insurance – UNCOVERED – Hippo Insurance Blog

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