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What situations are included and/or excluded from the policy? Does it cover damage from fires or floods?

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What situations are included and/or excluded from the policy? Does it cover damage from fires or floods?

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• Does the policy cover replacement or the actual value of the property? Electronics like computers, televisions, cameras, etc., depreciate significantly over time. A policy that only covers the actual value of a stolen or damaged item may not provide your student with enough money to replace it.

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