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What Your Homeowners Policy Covers

A breakdown of what is and isn't included with your insurance coverage.

Your homeowners policy will pay to fix damaged property or rebuild all or part of your home after a covered loss. It also may entitle you to things such as reimbursement for additional living expenses or loss of rental income when you or someone renting part of your house has to move temporarily because of damage to the living quarters.

Coverage of expensive belongings. Most homeowners policies cover jewelry, art and collections, but they may cover only their depreciated value and will probably impose a dollar limit, such as a total of $2,000 to $3,000 total for jewelry. To fully cover those items, you'll need to pay for special coverage (a rider, floater or endorsement).

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