![]() ![]() Homes in federally designated flood zones may be required to have flood insurance. If your home's at risk for those kinds of disasters, you may need to buy special insurance. Standard homeowners policies cover damage caused by fires, hail, hurricanes, and lightning-but not by earthquakes (except fires that result from them) or floods. This pays for bodily injury or property damage to others caused by you, your family members, or your pets.
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