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Everything you need to know to have your new home fully covered Many people spend months and even years looking for a home to buy, and put aside the home insurance decision that would help protect their investment until just before the closing of the purchase. Don't. Home insurance policies may have certain common inclusions, but they are not something generic. The moment you realize you're not covered — or not enough — isn't after a fire or theft or other kind of inconvenient (and expensive) experience. You should contact several agents, says David Thompson, an instructor with the Florida Association of…