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Don’t find out when it’s too late what your homeowner  insurance won’t cover.  Policies have exceptions and limitations; basic homeowners insurance policies don’t cover:

Trampoline injuries
Deaths or injuries from pools
Dog attacks
Earthquakes
Stolen or destroyed money
Jewelry, rare collections, fine art
Construction work injuries or damage
Mold
Floods
Sewer backups

Check your policy to make sure you are covered properly.