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House insurance for your home, covers everything from the dwelling to your possessions.This is your basic homeowner's policy. It is probably the most common and a renter's policy. This means your stereo, TV, clothing, etc. would be covered as would any liability you might incur if someone is injured in your house.

Event types or specific areas of loss that a standard renters insurance policy does not cover. Examples of common exclusions include hurricane, flood, earthquake, and tornado coverage.

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