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Homeowners insurance does not cover flood damage

In New York, flood insurance has to be purchased as a separate, stand-alone policy. It is not covered by homeowners insurance.

If you live in certain flood zones, your mortgage company may require that you purchase a flood insurance policy. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

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ROCHESTER NY
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CHURCHVILLE NY
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FARMINGTON NY
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ROCHESTER NY
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ROCHESTER NY