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One of the most common misunderstandings with fire insurance is that it only covers fires. Actually fire insurance is just another term for home insurance which protects your property against many loses including fire, hail, wind and theft. When people here fire insurance it often makes them worried that it only protects against that one loss. Homeowners insurance policies cover most perils including fire, wind, hail, and theft but be sure to ask each agent if there are specific exclusions on their compa...
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