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One of four people in the southern U.S. incorrectly believes that flood damage from a hurricane is covered by homeowners’ insurance, according to recent research from the Insurance Information Institute. That is a serious gap in policyholder insurance knowledge that agents—especially in Florida—continually struggle against. 

It is made worse by another common gap: Policyholders thinking that their valuable possessions such as collectibles are adequately covered by their homeowners’ or renters’ policy.

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