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Many insurance companies offer better rates if a home is disaster resistant.
For example, modern heating and electrical systems reduce the risk of fire. Discounts may also be available if a home has smoke detectors, security devices such as burglar alarms or dead-bolt locks. Contact us to find out if you are eligible for these discounts. Federal law requires your lender to make sure you have flood insurance if you have a home loan and live in a federally designated flood hazard area. A condo association should have a master policy that covers the basic structure of the building.