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It just depends on t he type of homeowners policy you bought. Some will and some will not.

If you purchased basic coverage then chances are it will not cover. If you purchased a broad form or an all risk policy then it probably will cover.

Just call your Agent and he can let you know if you have coverage. If you purchased your policy from a direct Insurer and have no agent, then your just left up to the whims of the customer service folks at the other end of that 800 number.

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15y ago

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