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A comprehensive policy protects both your home and your personal property for all perils*. So if your house burned down in a fire, your house will be rebuilt and the contents of your home would be covered by insurance. Comprehensive house insurance also includes mysterious disappearance. We know your house isn’t likely to disappear, but if you lose the pretty stone in your engagement ring you can get it replaced. *A comprehensive home insurance policy does not provide coverage for flooding. You can purchase overland water coverage separately, but make sure to check the details when you do. There may be restrictions if you live in an area prone to flooding.