Protect your home, car from severe weather

KETTERING, Ohio (WDTN)- Severe weather can cause a considerable amount of damage to your home and car.

Heavy rain and strong winds are expected late Thursday.  A local insurance agent with State Farm said now is a good time to review and understand what is covered under your homeowners and automotive insurance policies.

Comprehensive coverage under an auto insurance policy typically covers damage caused by fire, wind, hail, flood, earthquake, theft, vandalism or hitting an animal.

Collision coverage pays for a covered car that is damaged by collision with another car.

Deductibles are typically required for both comprehensive and collision coverage.

A comprehensive homeowners insurance policy typically covers damage caused by a windstorm or hail, the weight of snow, ice or sleet, frozen pipes, fire, lightening, theft or vandalism.

Flooding is not included in your average policy.  This type of coverage is regulated by the federal government. You must get a policy through it.

“You must look closely at what this policy covers,” warned Carrie Lifer. “Ultimately most of the flood policy covers your dwelling and not necessary your personal items.”

Contact your insurance company to file any claims.  An insurance agent will walk you through the process.

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