12. Which of the following statements are correct about home insurance policy?

Choose all that's correct.

A.The more expensive the house, the more expensive the home insurance policy, all else being equal.

B. Flood damage is usually not covered by a typical home insurance policy.

C. For the same house and same coverages, different insurance companies may have different prices for the policy.

D. You can usually switch home insurance from one insurance company to another insurance company before the policy expires and get a pro-rate refund on the canceled policy.