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No home insurance policies cover damages caused by floods. Homeowners need to buy a separate flood insurance policy to guard against flood damage, or purchase a policy through the federal National Flood Insurance Program. Find out more here.

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Laura Adams is a personal finance expert, award-winning author, and consumer advocate. As Senior Insurance Analyst, she represents insuranceQuotes in the media and works to make sure consumers protect their financial futures by having the right kinds of insurance.

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