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Homeowners insurance only covers damage from specific perils, like sudden water damage, fire, wind damage from a storm.



You'd be surprised at how thorough homeowners insurance is. Mine covers accidental damage to electronics (i.e. "dropped my laptop"). It's not worth making a claim because of deductible and rate increases, but it's in there.


You say that, but there’s literally a line on my policy that states a coverage amount for mold remediation…




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