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Which is NOT an essential component of a standard homeowners insurance policy?

2 Answers

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Earthquakes and water damage

User VVV
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Such perils like hail, windstorms, fire, lightning, and vandalism are covered by the homeowners’ insurance policy but there are also essential components are excluded just like earthquakes and flood because both are coming without warning and can cause too much damage.
User Fabian Von Ellerts
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