Your typical insurance does not cover landslides (not a concern in FL.), as well as several other items. You need to carefully review the policy. Also, as soon as a storm becomes a NAMED hurricane, your deductible goes up to the hurricane deductible which could easily be $10,000 or more depending on the value of your house. I will be going over the next renewal very carefully.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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