Buying a flood insurance policy today does not mean you'll be covered for the storms expected this week. But keep in mind that the rainy season runs through March, and sometimes later into the spring.

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The idea of losing a diamond is certainly devastating. But by properly insuring your valuables, you can rest a little easier knowing your investment won't go down the drain.

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Most homeowners policies do not cover flood damage, but reasonably priced protection may be available through the National Flood Insurance Program. Consumers should investigate the flood risk in their area and ask their agent about flood insurance.

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