Money: Shelter from a Storm

Homeowner coverage is no catchall. Check yours before disaster strikes

The damage wreaked by Hurricane Charley on homes, businesses and personal property is expected to reach $7.4 billion, the worst toll since Hurricane Andrew in 1992, according to the Insurance Information Institute. The destruction serves as a reminder to homeowners to check whether their insurance will protect their property when disaster strikes. Especially if you live near the coast or another body of water, you may need several different policies to make sure your property is adequately insured. Among them:

BASIC HOME INSURANCE Windstorms are generally covered in basic homeowner policies. But you may want to tuck away some extra cash...

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