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Home insurance won't insure you against acts of terrorism. It also doesn't cover damage due to wear and tear. Your policy may also be invalid if your house is unoccupied for more than 30 consecutive days during the year (see leaving the house unoccupied below). There's also usually only limited cover for accidental damage (see add-ons below). Check the small print carefully before you buy.

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We’ll start by saying that the best cheap life insurance is not always the cheapest life insurance. While affordability is important, it’s equally crucial to choose a policy with strong protection. We analyzed more than 60 providers and found four that offer impressively low premiums without skimping on coverage.

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