What is covered by a property insurance policy?

Your property is covered against sudden and accidental damage. There are key exclusions, notably flood, earthquake, sinkhole collapse, wear and tear, pollution (an oil tank that leaks, for example), damage caused by vermin, intentional acts, and others. Mold coverage may be limited, and water backup typically needs to be added.

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What is building ordinance coverage?

If you are required to rebuild your property differently because of laws or ordinances – such as changing the setback of a building – you are not covered unless your policy contains this coverage.

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