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We have a policy for you
Covers property damage only.
It covers 20% of the main property since you own another small building on the same property as your main house. Also it covers personal property within the insured property, as well as hotel expenses in case of damage to the house due to hail or vandalism.
You can have a discount on your policy if
You have a previous policy (3 to 6 months).
You own a house.