I just got of the phone with my insurance agent to make sure I am telling you correctly, he told me it covers the value of my home and I have a 5% deductible which the 5 % is high to me because my deductible for the tornado was really low when the tornado took my house in May I think my deductible was $750 for that event, but hey I will take only paying 5% then not have the coverage at all, he told me its a higher deductible for earthquake related events
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